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Information Junky
Join Date: Mar 2001
Location: an island, upper left coast, USA
Posts: 73,167
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WAMU is very reputable IMO.
How far into the current loan are ya? To "save" money (pmt) you will be 'resetting" the loan to 30 years. For only a half point . . hmmm. That will cost ya in the long run.
I would ask if there truely are no closing costs, no fees, no appraisal . . . or if they are just rolled into what you will owe.
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Everyone you meet knows something you don't. - - - and a whole bunch of crap that is wrong.
Disclaimer: the above was 2¢ worth.
More information is available as my professional opinion, which is provided for an exorbitant fee. 
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