Interest rates will never fall to pandemic-era levels again. It was a once-in-a-lifetime event that catapulted the equity of those who were smart enough to pounce on a house during a world-shaking event.

Sure but almost never close to zero. And how much are you really going to save when they go from 6.5% to 4.5% in 10 years? While most of the interests will already be paid?

Hell, most people will not even want to live in the same place in 10 years.

Honestly this sounds like yet another argument from a realtor to push prices irrationally to all time high.

That's just perspective. The loan is 30 years. The monthly payment never changes right? So you can think of monthly payments as flat principle + interest that's constant.

It's the same thing. The only difference is in taxes.

If you refinance your monthly rate goes down. And you get a tax break.