I just refinanced last month. 15yr @ 2.25%, my out pocket closing costs were $700. Don't waste your time paying down points, you are essentially just lowering your rate with up front cash. The way things are going, we'll likely see lower rates in the future where you can just refinance again.
I went to bankrate.com and shopped around to refi my mortgage. I was a little skeptical at first, but it ended up being super easy, quick and painless. Everything was done on line. They sent out a notary to my house to sign final paperwork. The whole process to about three weeks.
I went to bankrate.com and shopped around to refi my mortgage. I was a little skeptical at first, but it ended up being super easy, quick and painless. Everything was done on line. They sent out a notary to my house to sign final paperwork. The whole process to about three weeks.