damn, i just finished refinancing. These rates are crazy Started early June. We locked in around 3-3.5% for a 15 and were happy, now I wish I procrastinated longer :( Chase was slow as shit to process - stayed with them because it's who it was and thought the process would be smoother. Should have shopped around..
Dropped from a 4.8% 30yr to a 3-3.5% 15yr. Much better, especially since the extra payments we were putting were essentially paying a 15yr anyway, but damn i'd love to have that extra % point off.
don't think we bought any points. Interesting to hear the return comments though. my back-of-the-napkin math said I'd be about $30k ahead after 4 years equity wise after the Refi, after closing costs.