Shopping rates is challenging… You need to shop rates and FEES. And some places charge origination fees that are different than points – points are tax deductable, the others aren’t… You need to get ACCURATE estimates of fees and rates.

I shopped around a lot when we refi’d last year – I ended up going with Sheldon (HLS here on piggington.) I liked the level of information he gave up front.

When I was shopping, SDCCU wasn’t even close. I bank with them – but their rates weren’t competitive.