[Mary-Bayou]

"15 yr loan at 4.75%..."

Where did you find that rate? I am shopping around. Sounds good!

[mlmr]

I went to Lendingtree.com and let them bid. Mortgageselect won. Jason was my broker and he is good.

[Kosh5]

Check out www.homeboundmortgage.com

I just refinanced, and they had the best rates I could find. A great deal depends on what term loan you want. The shorter term loans (3 or 5 year ARMs and 5 or 7 year balloons) have the best rates right now. Depending on your time horizon, the difference in the rate may be worth a shorter term loan.