last year. If you haven't done so already, reach out to your mortgage person of choice and get locked in asap. This is incredibly cheap money that is far below inflation, locked in for 30 years.
By doing so, you're effectively reducing your original purchase price (in terms of the cost to live in your home) on top of all the equity you've undoubtedly been gaining.
It's an incredible time to cash out with cheap money for home improvements, consolidating debt, removing mortgage insurance, reducing your loan term, etc.
Get 'er done, fellas.