I just finish a refi with Sheldon at 3.625% with ~$4k net credit. Which will pay for 80% of my property tax for the year. At the time that I locked, absolute mortgage was offering 3.625% with ~$4500 net credit. But I rather go with someone who get things done and I know personally. I did 4 loans with him now and have been happy every single time. I would highly recommend you guys check with him too.
Currently, on absolute mortgage, a 3.625% rate have a $6100 net credit and a 3.5% rate have a $2800 net credit. I’ll probably refi again when I can get 3.375% with a $4k credit. Hopefully that’ll be the end of this year. All these refi means I don’t have to pay property tax and insurance for the last couple of years, all the while, getting lower rates than I did before.
