We refinanced our mortgage today. We got an excellent deal. We were able to get 4.35% for a 20 year fixed loan. We were able to lower our payment and we will pay our home off 4 years earlier! SWEET!The loan went so smooth. From start to finish it only took 17 days! We could have even closed yesterday. If anybody is thinking of refinancing and needs a good lender, let me know and I will give you my guys number!