I refi'd in March of this year for what I thought was a great interest rate...4.25. (could not get the super secret 3.9 rate due to not borrowing enough money.......good problem to have....) anyway, thanks to Saluki giving me a heads up, I wanted to give you all a heads up that its time to refinance again! Im locked in at 3.5% ZERO COST. call John Mach, of Greenlight Financial Services........at 949-265-4607. . Make sure you tell John that you saw/heard about this on Bloodydecks and want the reach-around deal......he will take good care of you! They make it a very easy process and they fund their loans FAST! ..............just kidding about the reach-around deal....but DO mention Bloodydecks.