An has a great solution, why didn’t I think of that.

Just using zillow mortgage, a 160 refi on 800k primary shows 3.25%, a 300k refi shows 3.0%.

I used zillow to find sebonic mortgage on my last purhase in 2017, and sebonic did a great job and had the lowest rate. Not saying go with them, but worth getting a quote.

You might just wait a little while too. Lenders are getting swamped now as rates hit all time lows. The last three days are the first in US history the 10-year closed below 0.6% three days in a row. That should give lenders confidence to lower rates further, but since they are at capacity they will want to focus on larger loans first.