For no-frills loans (conforming, W2 income, less than 80% LTV, good credit, etc), I suggest http://www.provident.com. They may or may not have the best rates (I’ve found a little better elsewhere sometimes), but you can see their actual rates online in 5 seconds, updated throughout the day. They display multiple rate-point scenarios to choose from (the “rate sheet”). Really helpful. For example, right now (12/6, 9am) they show 3.25% with a half point rebate for a plain vanilla $417K loan. I refinanced twice with them, had no problems.
