So do you know how much time it is before you will actually need the money? If it's at least, say... 2 weeks, it could be worthwhile to check out a mortgage broker. They are currently on the desperate side and will beat themselves up trying to get your business (often offering WAY lower rates than they advertise). Tell them the rate you have now and ask them to beat it. Believe me, they will definitely try.
However, credit unions ROCK - seriously, every single person involved in our closing (we used a credit union too) remarked on how shockingly low their fees were. And I know my credit union won't sell my mortgage to some sketchy place like a mortgage broker could. But it IS another option if the rates at your place aren't your favorite at the moment...
Commenting by HaloScan
