Hi all, with mortgage rates being low again, I'm looking into refinancing my primary residence and maybe even a few rentals. I've been searching the web for killer APRs on 30-yr fixed. Then it occurred to me that there are probably lots of folks here doing the same. My hope with this thread is to create a list of awesome mortgage financing options that we can all benefit from. Where are you finding the best financing deals? (Please list term, APR and points, if any.)