Wow! So little info for such a demand. Well, sorry, based on this info, you won't get much of a response. You'll most likely get a lot of people offering to do your loan. You kind of put yourself in a bad position based on your demands. You may want to reword it. You see, points are extra fees charged to a client who wants rates lower than available, so I would recommend not even bringing it up. For example, would you pay 3% in origination fees? Because, those aren't points. How about 3% in mortgage broker fees? Those aren't points. Would you pay a $500 processing fee? If you go with saying: I want to refinance with the lowest possible cost. This might work. Your rate will be higher because the yield spread of the higher rate is used to pay your fees. This is recommended if you plan on selling the house in 3 years. If you say: I want the lowest rate possible with average fees, then you'll get a better deal because the lender can work different scenarious. This is usually used for people in the house for a long time. No fees? Higher rate. With fees, lower rate. Your house is valued at what has sold in the last 6 months to 1 year in your neighborhood or within a 1 mile radius of your home to include foreclosures. In Peachtree City, Ga, the value of homes have gone up. check out cyberhomes.com.