I just checked aimloan.com and there is nothing better than option 2 or option 3.

[quote=ljinvestor]The rate for option 3 seems pretty good. I know you said 0pts but not sure what your origination fee is and if you are doing escrow/impounds

You can go on aimloan.com to see if its in the ballpark as they consistantly have pretty low rates[/quote]