We refinanced/closed in Sept using an on-line lender-Lower.com (Homeside Mortgage) at 2.75%, 30 yr fixed, total costs were about $2,500 which we rolled into the new mortgage. Not too much hassle, but some.
Have you asked your current lender if they would "recast" (the correct buzz word) your current mortgage? Some lenders will for a small fee (under $1,000-sometimes much less), change the current interest rate on your existing mortgage. I know 2 people who have done this.
Good luck!
|