[bikeman]

Has anyone refinanced lately? I know the interest rates are down, and I would love to refinance my existing loan with Citizens while the interest rates are at a all time low. I am now at a 4.6% with Citizens, and they are offering a 3.6% fixed for 30 years, but I was wondering if anyone has used a different bank that had a better interest rate than Citizens? Surely, these other banks would love to beat Citizens rate, and when I asked Citizens about matching a bank with a 3.5%, and they said they could not. I know that there are some other banks in the area that would love to get more of the Villagers money. Any comments would be appreciated.