Should we refinance? 700k left on mortgage @6.25% About 850k equity in home.

We have been in our home for a little over 2 years and don't plan on moving. I just retired from public service and am starting a 2nd career. I have a pension, we have health benefits, and my husband earns about 40k a year (artist). We also have very healthy saving and 401ks.

If we refinance, what are the options and best route?