I closed last week on a 3.25% 30 year fixed rate mortgage with Pentagon Federal CU. Felt like I was stealing candy from a baby.
Was this a refinance or new loan? Points?
I closed recently 30 year 3.5%, 80% LTV, and 0 points. I too thought I was getting a good deal. Not a big deal though since I plan on turning it into a rental. I try not to worry too much about these things as my savings rate right now is much more important than my investment returns.
If rates go down low enough, I'll refinance with no closing and take a slightly higher rate.