Hi Ren - Thanks so much for responding. We actually did go with the online broker I mentioned. Our appraisal is scheduled for Monday so the ball is already rolling. Maybe consider yourself lucky because I would have asked you a million and one questions
I did end up paying a lot of points (2.8), but we did pull off the 15 year and are taking out a small amount of cash to do some home improvements ($4,500.00). All told, we will be shaving something like 111K off our total payments because of the rate (4.375 ... used to be 6%).
I hope I did ok! I am nervous because I did it all on my own, and it just seemed strange not to have a brick and mortar office to go to. Our payments are only going up a little bit from what we already pay.
Feel free to comment on how you think I did.
I was told by Wells Fargo and my guy with Nations Home that even a week or two ago I probably could have gotten almost the same rate/deal but with no points. True?? I'm kicking myself.
Also, I just couldn't get over the rude treatment I got from Wells Fargo. I am even considering complaining, but I doubt I'll get around to it. lol.
Thank you!!