re: Mortgage Refinance - Tips to get best rate?

If you compare rates and fees (closing costs for lender) and they are all the same, go with one you're most comfortable with. Some of the information you've received is accurate, however lenders are no longer compensated off yield spread. We all have certain fee objectives we have to reach but it does not benefit the lender to charge you a rate higher than the one that meets their fee objective. Email me with any other questions. I'm a local lender in Prairieville and would be glad to help you out.