A person can refinance a mortgage to refinance a mortgage against it? ?

A doubled a few years ago my husband and I are the size of our house we had owned “free and clear.” We have a 20-year mortgage for $ 250,000 of equity at a rate of 5.85% . Since we already owned the house and it was not technically a mortgage, there is no payment on the loan. With lower prices, we hope to refinance our mortgage? Or is largely confined to refinance mortgage? Thank you.
Also, how do you calculate what you paid in total, if you had stayed with the original loan?

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