[sammyg2]

I locked in a 5% zero cost refi loan last night, but the broker suggests he can probably do better before close of escrow.
Edit: by zero cost I meant to say zero out of pocket cost. some escrow fees will be added to the loan balance but it's nickel and dime stuff in the big picture.
The broker also mentioned that there's a good chance he'll be able to lock in a zero cost zero points loan with an even lower rate but couldn't guaranty that yet.