again and be done with it. I thought I had the best rate possible from my current loan company. Turns out that they do business with my current loan provider and can get a higher refinance closing credit than what I can get as a returning client going directly to my mortgage company.

Seriously... BM Mulletino... they can get you a refi quote in couple hours... they are also non pushy and extremely helpful.

I'm saying this, because I BM'd him this morning, had a quote not too much later that beats what I was doing on my own. I'm sold!