After getting 3.125 in December 2013 for a no cost refi I figured it would be a cold day in hell before I refinanced again. Today I put on a down jacket in a heatwave. Locked in 2.625 on 30 year with no points and out of pocket costs around $1000. The 20 year was no lower and I didn’t think the 15 was low enough to commit to shorter amortization schedule. I’ll be making payments most months well above what my 15 year payment would’ve been but Also wanted to leave some borrowing powder dry for the ADU I hope to add. Also this is for a self employed borrower. Had I been w-2 guy I could’ve gotten a bit lower. Saving about $150/month in interest. I guess this is what they call found money