Loan funded a couple days ago. Got 4 years knocked off, .25% lower interest rate, PMI removed, free appraisal, no fees whatsoever, and am getting a little cash back as a bonus. So US Bank is holding the loan and though I know I could have probably gotten a slightly lower rate else where, I am happy. Just in time too as rates look to be going up and this month Zillow says my home value actually went down.