Just closed on a re-fi at LenderFi, a small cash out.
Rate of 2.875%, down from the 3% rate I got in August from them.
Loan cost $1600 approx, because of the cash out.
I hemmed and hawed over paying for points (approx $5k to get 2.49%, approx $9k to get 2.25%) but ultimately decided to forego the points.
Breakeven timelines were from just under six years to just over ten years.
I "plan" on staying here forever, but ya know...plans can change, and I'm cheap (ahem, frugal).
From the inquiry email to signing closing docs on my front porch was, amazingly, 15 days.