mortgage

We have a spare $1000 at the end of each month. I am comfortable with our existing financial cushion and would like to use this windfall to pay down our final two debts. Is it better to pay down a 401K loan, which has 3 years of payments left in it? Or to make an extra payment to our mortgage...

Third Federal has sub 3% rates for 10 yr fixed so I'm tempted to refinance. https://www.thirdfederal.com/featured-rates Anyone used them? Online reviews are mixed.