funny, I just emailed her again this week
still at 2.875 30year fixed...$2k off closing costs
which covers almost all lender costs....just tax and prepaid
But I would be increasing my loan by that much and adding time on the term (only a year)
I'm just not sure it's worth the work at this point to save $150 a month (but $40k in interest on the life of the loan)
was hoping for a smidge lower