A bank is a bank and a mortgage is a mortgage.
Congrats on your purchase, but I'd research the financial benefits and opportunity cost of:
1. Investing (for a greater than 4.45% return on investment) whatever costs you would spend to refinance this loan down the road
2. Taking those costs to refinance later and paying extra principle on your current loan in order to accelerate your payoff
Unless there is a net tangible benefit of 5% or more when you go to refinance, you'll not likely be eligible, but again, a mortgage loan is a mortgage loan and I wouldn't be afraid of any Bank in america with an APR under 5% and a low down payment like they are offering you as long as you are comfortable working with whomever is guiding you through the process.
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Licensed NC Mortgage Loan Originator
