ReFi or go with rate change from existing lender?I have an existing loan on my condo that I bought in July 2007. I'm on a 5/1 ARM that will change in July 2012. With rates being low, I decided to ReFi and move to a 30 year fixed. I was quoted a rate of 5.25 with no points on my non-conforming loan, overall it looks good. Now, my current lender suddenly reached out to me, and is willing to switch me to a fixed at a rate of 5.375, without the need for a ReFi. This means no ReFi fees, the interest I've paid is already being applied to my current loan, and I'm now on a 27 year loan. So my question: I'm having a tough time gauging which is the right way to go - should I ReFi or stick with my existing lender? BTW, already spoke to my existing lender, they're unwilling to negotiate on the rate they've quoted.Thanks in advance!!May 13 2010 - South of Market00YesReport 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.