I’m in the process of refinancing again. This time with Sebonic. I was offered 3.25% with $0 fee ( but I have to pay for 3rd party fees and appraisal) or 3.375% with $3400 in credit, which covers all 3rd party fees, appraisal, and leave me with about $1k to put into my compound account. I picked 3.375%. I just refied to 3.5% two months ago and got ~$2500 put into my impound.