Is this a good re-fi rate? 4.75 at 1 point?$450,000 in Sacramento (so its Super Conforming)Want to re-fi (No Cash Out) 4.75% at 1% pointI love the 4.75% but not crazy about the point. My broker said most people are looking for LOWER rates, below 4.5%, but I told him 4.75% is GREAT. But not sure about this point? He before proposed splitting the loan, so I had a HELOC and main, but I wanted 1 total at a low rate. Thoughts?If I hold out, can I get 4.75% at 0 points? Of course, I might be going crazy becfause I am sure he would offer me 4.75% at 0 points and 4.5% at 1 %. What a crazy time! :)March 05 2009 - CSUS00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.