I just locked in at 3.125% 30 years fixed 2 weeks-ish ago at almost no cost ($1900 in credit, lender fee of about $1100 and 3rd party fee of about $1100). So, my net cost to do the refi is ~$300-400. At the time, I could have gone up to 3.25% and get $2400 in credit, 3% with ~$900 in credit or 2.875% with a few $hundred in cost. I chose 3.125%. My current rate is 3.325% from about 4 years ago.
