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Got offer of 30yr refi of 346,000 at 4.875, 3200 in fees. CA home est at 567,000. Good deal?

Contacted one of those "we'll have four lenders call you' sites.  First responder was a high-tech, high-pressure group wanting my 500 fee right now to lock in a 4.875, 30-year fixed refinance of a 8-year old California home estimated currently at 567,000.  No points but $3200.00 fees.  When I asked for time to think about it they put the boss on who all but called me a fool for delaying and possibly risk loosing that good rate.  Am I a fool?
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November 24 2009 - Rancho Cucamonga
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I see you can get 4.750 no points ....$3200 in fee's is to much....we only charge 2 fee's and they are under $860....
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November 25 2009

Was it Quicken Loans or Surepoint that called you?  (just curious)

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November 24 2009
Profile picture for mogel007
Was the company giving you high pressure named MGM out of Ft. Lauderdale, FL?
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November 24 2009
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Was the company named MGM out of Ft. Lauderdale, FL that was giving you the high pressure to make a decision?
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November 24 2009
You're not a fool. It's great you resisted the high-pressure!

Today you could get a loan for 4.500%. Although, the fees would be about double.
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November 24 2009
Call Gregorio over to the right and request an estimate. His deal will blow your offer away----------------------------------->
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November 24 2009
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Gjforeman, submit a loan request on Zillow Mortgage Marketplace here
and compare it to the rate you were offered. 
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November 24 2009
You really need to shop around some more!
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November 24 2009
No.  Do you homework and don't let anyone force you to do anything.
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November 24 2009
 
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