I've got a 5.85 fixed 30-year and I'm thinking about trying to get it down in the 3's and 4's. Anyone else do something like this? I'm with Bank of America.

https://www.dcu.org/index.html

or GTFO.

oh and fuck Bank of America.

call 1-800-eastwest

http://zerobrokerfees.com/ca/reimbursements.html

I didn't start at BoA, I started with some FHA loan from one of the huge banks that failed. my first 4 years, I was sold to another company every single year to the date of getting my loan.
I don't remember the first one, but:
AMERICA'S SEVICING COMPANY
US BANK HOME MORTGAGE
BAC Home Lons Servicing, LP

sucks to be them.

East west's commercials sound awesome. In the 3's for $500! Citizens bank offered me 4.5 last year, but over 15 years instead of the 22 that I had left. The problem was it raise my monthly payments by $100-ish.

Depends on what you want to accomplish. We have 6% on a 30yr as well, so that's about where you are. We are dumping extra principle down every month though and are looking to pay the thing off way early. We looked at a refi, but it didn't seem worth it for our goals. If you are trying to free up some cash every month, then it might be worth investigating.

with daycare and everything, I have something like -$200 each month right now... and health care is going up $50-$100 a month so I'm looking to save month each month.

Yes, then I would look into a refi. I sure don't envy you poor fuckers with kids...

yeah, daycare = 2 iPads a month. I've been a big advocate of crating with the dogs, but then I'd be afraid of him macheting me in my sleep years down the road.

btw: in canada, daycare is $7/day. FUCK YOU CANADA.

ya and taxes are like almost 50% of your wages ... at least your taxes go to something worthwhile though.

more like 60%

ok, i just signed up to look at my mortgage on BoA's site and i got this email
Your temporary passcode will be mailed to your account address within 5 - 7 business days.

it's like the internet at snail mail speeds!

That ain't nothin homeboy. Daycare expenses are fucking high, you're right.

rev, we just refinanced from a 30year @ 6.25 to 15yr @ 3.85 (fixed) I forget the name of the company, but I can check into it. We also did a lot of work to the house in the past 4 years though, so when we had it appraised for the refi, it was worth a lot more than what it originally would have appriased at had we done nothing. We sunk about 40k into, so it def helped a shit ton.

www.embracehomeloans.com i work there and they have an A+ rating with the BBB. if your debt-to-income is below 50%, you should be able to qualify for a refi. most rates i see are between 4 and 4.5 - i don't know the nuts and bolts cause i'm not an underwriter (and i'm not really interested). 800 333 3004 is their number

and when they say the appraisal fee ($375) is the only up-front charge, they aren't lying. all other charges are rolled into the settlement so you walk away with limited cash (up to $500 for FHA and $2000 for conventional), or max cash out if that's what youre looking for

citizens bank offered 4.125% with about $2K in closing costs. that would pay for itself in 10 months. wow...

Ok, 3.75% with negative points to close (-.0125 or something like that)

That Citizens deal rules.
Cheap day care:

I should start looking into this too. The fact that I pay more in interest a month than I used to pay total in rent makes me ill.

......................I got nothing.