My advice to anyone paying more than say .25% above market, with >20% equity and a credit score >700 (800 even better) is:
Get together the following documentation as fast as possible
- 3 months bank statements, credit cards statements,pay slips,
- house insurance details
- property tax details
- HOA Fees statements and current balance
- last 2 years tax returns
- current mortgage papers, ESP original 'note' , latest statement
- details on 401k, roths, other pension savings, money market, CDs
Then do a Google and pick a big rate comparison site, and ask for a specific mortgage refi, in terms of loan type, and within minutes you'll be getting quotes via email and phone.
Ask only for no points, no PMI, and no closing costs more than $250.
Give them 48 hrs to provide a good faith estimate,research the best few companies on BBB etc, and save money!!
You need the paperwork ready to rock, as they're going to allow you only a couple of days and if you take longer you could get additional fees.