re: I'm struggling to figure out if refinancing makes sense for my situation.

quote:

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Starting this process now, and looking for ideas of who to contact first

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Obviously, I'm searching for the same.

For my situation, on bankrate.com this morning an independent lender popped up with a 15 yr fixed 1.99% and upfront costs of $1,861 which included a 0.492 points. I might inquire about this today.

LINK


ETA:

Ok. I just got off the phone with them. The numbers bankrate is showing isn't completely accurate. The rate for 15 yr is 1.875% with a buy down of 1 point. It's not 0.492 points like bank rate is showing.

No points for a 15 yr is 2.125%.

The total costs with the points (if opted), attorney fees, appraisals, filing fees, and other related closing costs will be around $4,500 - 5,000.