i closed on a 30 year fixed refinance on june 15th at 2.625% with 0.4 points. loan amount was 488k. i also was able to negotiate the rate lower when they fell around memorial day despite already being locked at 2.875%. my credit score is 810, LTV is only 44%, and i have enough in savings to not need the mortgage. but at an after-tax interest rate of 1.4%, why not?
