Just an update, I filled out forms on line, explaining the quote I had received. I talked to someone who did seem very knowedgable, the first guy was way off. It would be in the $5,000 vicinity, 1 point buy downdown. No 12 month minimum. I have decided to hold off for now, the extra cash I have really needs to go into landscaping. Now I am getting depressed about the thought of using basically what I pay in my loan for the first year and starting out all over. So, if rates do continue to drop, I will jump on it, but otherwise hold off for six to 12 months.
Thanks