[widebody911]

I'm looking at refinancing. I owe $127k on a house that's probably somewhere in the $225k value range. I'm currently @ 5.0%. My FICO is in the low 800's. The rates I'm seeing are anywhere from 3.0 to 3.875

I made the mistake of going to one of those sites where you put in your info and let the lenders "compete". Sweet jesus on a crispy biscuit, my phone has been ringing off the hook. Every new contact with one of these guys makes the situation 10x more confusing.

Anyway, my question is this: some places are quoting very low closing costs, in some cases less than $100. Others are quoting costs upwards of $3500. This is all for zero points. The super low quotes include a "rebate to help lower your closing costs" - how can the spread between the different companies be so huge?

I'm having a hard time separating the bullshyte from the caviar. I talk to lender "A" and he tells me closing costs are $3500 (no points); I tell him lender "B" quoted me $500 for the same rate, and he says lender "B" is FOS, won't close the loan, and will give my cat gonorrhea.

One guy said my loan was too small to worry about, and wished me a nice day.

One particular company, Quicken Loans, has been particularly aggressive: I keep getting new reps calling, claiming not to know that anyone from their company has every contacted me before. I was out of the office yesterday, and I came back to 5 voice mails, from 5 different people. While I was listening to my VM's, another one called. While talking to him, another one called. Crikey! They love to talk about JD Power ratings, and if I start the process right now, rates were going to rise and my spleen will burst with the fury of a thousand suns. Their closing costs were the highest I've been quoted by far, and there was more trash talkin' than a street basketball game in Compton.

I've done google searches on the reps of these various companies, and they all seem to be lepers. Some of the complaints and praises seem so formulaic that they were probably placed by bots.

So, what's the best way to sort through this stuff?