[Ttulipss]

We just refinanced for a 30 yr. at 6-3/8% with 0 points. Our original loan on this house was a 30 yr. at 6-7/8% that just started in April. The day we signed docs, rates dropped again, but instead of dealing with a rate change, delays, new docs, etc., the bank lowered our closing costs. If they drop any more in the next 4-6 weeks, we may check into a streamline refinance which would not have any closing costs. Doubt they'll drop much more (if any) though.