HLS was that in Aug of 2008? ok then…
on your current rate my payment would be a whole 40 a month less. OMFG where do I refi and pay closing again rofl.

edit: All the “brokers” could not even come close to retail when I bought my places. Even posted a scenerio on outpost and all them said CW was the best deal and they could not touch it. Waste to go with a broker imo.