Thanks..a few more questions

1) Is there a similar method where you can get more than one inquiry within two weeks and have it count as one against your credit report...kind of like your initial loan?

2) If you refinance, how does it work with overlapping the payment on your current loan?  IE, if I refinanced today and I have a payment due to my current loan on the 25th, how would that work?

3) Are there any other reputable refiance options besides your bank and CapOne?  Does it make sense to try and refinance through your current lender?