It does seem to me though that if you could get a rate that was the same as elsewhere where costs and points applied, and get that rate without the same costs and points by somebody doing this, that you would in fact be getting a better deal. In the future if I run into this on my loans I will look very carefully, and will also give you a shot at doing my business also. I am probably a year out from doing either a refi or buying an additional home.
