MyDogs,,
I just checked your quoted site.
The cost for 4.25% 15 YR is 1.545 points, with total closing costs of $5001 for the amount you mentioned..
They also require you to add $3459 for an impound account for total closing costs of $8460
At this same moment, my price for the same loan is $4617 without an impound account required. Total closing costs $4617 Guaranteed. I guarantee my closing costs on a refi too.
