I just closed on a refinance of our primary residence at 3.2% APR for 15 years. No points and little cost to close.
BTW - who did you go with and what did you do to shop around??
Biden's most truthful quote ever came during his first press conference, 03/25/21. Drum roll please...... "I don't know, to be clear." and THAT is one promise he's kept!!!