How Old Is Offbeat?

Offbeat has a question. Down payment on my house was 3.5 percent and the industry is also 3.5%. Would it make sense to make extra payments to hit that 20 percent equity and refinance to get rid of the PMI? What do you think? All right. Thanks so much for your question, Justin. Offbeat: How old is offbeat? Do we have any information there? He did not say, but if you want to throw that in the chat, that might help us with the answer.