[quote=donaldduckmoore][quote=davelj]I just re-financed (30-year fixed) at 4.25% + 2 points + $1200 in closing costs through BofA. So, the APR is 4.6%.
Yeah, maybe some combination of rate plus points/closing costs gets down to an APR of 4.25% on a 30-year fixed during this cycle, but I’m not taking that chance. I’m happy to leave a little on the table. But that’s just me.[/quote]
Did you go through broker or not, $1200 closing cost is pretty low for refi. Would you mind sharing more contact info pls. My email is donaldduckmoore@yahoo.com.[/quote]
No broker. Straight through BofA over the phone. Although I already had my original loan through BofA which influenced the closing costs.
