No offense, but this thread is advertising by HLS. And the rates quoted are not the lowest ever, although they are close. Last May I refinanced a $500K loan, 30 yr fixed, no points, 3rd party closing costs only, at 4.625%.

At the time, my experience was that Zillow mortgage quotes were by far the best way to find a good rate from a reliable broker. Essentially identical rates are quoted today through Zillow. Of course, your mileage may vary.