Let a Loan Officer review your credit along with all necessary documentation and let them run #s for you. There is more to it than just the rate. Yes the rate is important, but can the lender do a CEMA for you which will be significant to the total new loan amount, more so if you're in the Bronx, can the lender deliver in a timely manner or deliver all together? What are all the other expenses involved? etc, These are important things you need to know before you spend money on an appraisal and tie yourself up with a refinance, and things you simply can't get answers to from any website.
If you're interested in meeting face-to-face with a reliable Loan Officer, I am always available to meet in our NYC offices (Manhattan, Queens & Brooklyn). Good luck to you.
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
I would be happy to price current rates with your current mortgage. It needs to make sense when refinancing.
We lend in all 50 states!