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Congrats! First you got a fantastic house and now a great refi!
Congrats on both the house and refi. Capone has a quick and simple process but often times results in a higher interest rate than a good credit union. I refinanced a high interest car loan a few years ago when I was rebuilding to 8.5% with Capone and a few days later I joined NFCU and they preapproved me for a refinance so I decided what the heck and applied and they offered me 4.29% so needless to say I refinanced again with them. Two refis in one week but is saved them thousands.