I am considering a refinance on my home of 4 years. I built a
log home, and the Mortgage is about 1/2 the current appraised value. My credit is excellent, and I am not looking at taking out any equity. Currently, I am at 6.25, and the offer is 4.875, so the rate would drop 1.375 with the offer on the table. It would cost me $4000, which would be rolled into the new loan. Your thoughts / ...