Well guys. My refi loan just closed.

3.375 no points/no cost on a 15 year. Actually, I got a small refund because the fees came lower than expected and my agent+lender was rebating more than the fees.

Unfortunately, since I closed, it seems like rates have further fallen…

http://aerofcu.mortgagewebcenter.com/Default.asp?bhcp=1

30 Year Fixed Rate
Rate APR Points
3.875% 3.934% 0.000%
3.625% 3.838% 1.875%
15 Year Fixed Rate
Rate APR Points
3.000% 3.102% 0.000%
2.750% 3.125% 1.875%

So perhaps we’ll see sub-3% no points/no fee% 15 year conforming soon 🙂

But oh well, I can’t exactly refinance in next month because I’m going to be out on medical leave, and I don’t think that would help me qualify…