Thanks to the info on this thread and the Boglehead thread, I completed a refi with Lender Fi in September.
30 year fixed @ 3%, actual costs approx $800 in miscellaneous fees. Appraisal was waved, loan balance of $192,500.
Closing took just under 30 days, all online except for signing with a notary.
My ancient Acer finally died and so I did the entire process using my phone, scanning, printing, sending docs, kinda funny and amazing.
With the money I saved I bought a new Acer :-)
It's not the best terms I've seen but I was happy with it, it took quite a while to get my finances back in shape after an expensive divorce and some questionable (ie: bad) financial and life decisions in the ensuing years.
But that's fodder for a different post, right now I'm thrilled with the new terms and monthly savings of $480 per month, and if things play out I'll be looking to refi again in the spring at an even better rate!