I locked last week Thursday at 4.375 no cost all lenders fees etc covered and a $2000 credit I can use to fund my impound account.

I could have locked at 4.25 with no cost (no points) and a much smaller credit, I think it was $400? As we have completely remodeled the house and money is tight I took the higher rate and bigger credit. I think it amounted to 6.6 years to make up the difference and we know once the kids are older (max 10 years) we will sell the big house and move to something smaller.

My dad refused to listen to me and call Sheldon just closed on his refi last week at 4.375 but he paid $1500 for the privlege and they rolled the lender fees into his loan. Can’t believe how stubborn old men can be!

Sheldon and his gang definitely have the best rates and pricing. Sheldon did right by me when I bought the house a few months ago and while I appreciate all his effort, I still shopped around (including calling the clown my dad used), found that nobody beat his pricing and many people are downright stupid. Found some comparable, but nothing worth moving my business away.