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??
I went to a few local mortgage firms and they all wanted to sell off my loan to someone else that looked strictly at my pension income and not my worth. Chase, who we bank with, was well aware of my worth so were more than welcoming.
