I just got off the phone with the guy from absolute mortgage and he said it wasn’t worth it for me to refi! I currently have 4.375 from a refi I completed last November! Who are you talking too I think I like their rhetoric better….I used Sheldon both to buy and refi last year. I shopped it out last year at my refi and Sheldon beat any of the internet scams I was getting excited about. I suppose I should see if Sheldon thinks I should refi again? I feel bad calling Sheldon ’cause I am high maintenance and he is soooo tolerant. I think that is why I like to work my way through the internet shisters first.