Looking to get a refinance deal...located in the Huntsville, AL areaHello, this is my first post on Zillow.com, although I've been lurking around with out an account for some time. :) Anyway, I live in Huntsville, AL and I am looking to refinance my home in the very near future (currently at a 5.5% rate for 30 years) in which I purchased March 2010. I am guessing the value of my home to be around $185,000 and my payoff is right around $164,000. I have both an excellent credit rating, 750+ and income to debit ratio. Anybody intereted in sending me an offer? I'd like to hopefully get below 3.0% on a 15 year with 0 points. I realize that I will have to pay PMI but I hope with my approx. 10% equity it will be only at .5 to .75% and not a full 1%. However, I am also interested in lender paid PMI with me possibly taking a slightly higher rate. Aimloan.com is saying 2.875% (but the fine print says assuming 25% equity or more) with 0 points and approx. $2000 in fees, not including credit report. I plan to call tomorrow and check more into them. A local lender with BBVA Compass is offering 3.5% with 0 points, with lender paid pmi, and approx. $1275 in fees exc. credit report, tax service, and flood cert. Thanks in advance for your attention to my post!MarkApril 15 2012 - Huntsville0YesReport 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.