I just used credible and the best I saw was 2.91% apr for 30 year fixed, roughly $2,850 in loan costs. My existing rate is 3.41% but I still have a lot of principal left. I was actually about to post something to see if people were seeing any lower rates than 2.91$? I've heard its worth refinancing if you can go down .75% or more. This would be 0.5%, but with low loan fees I think it would be worth it. We are in SoCal, and plan on keeping this house for awhile.