Just fyi, I just did a refinance on my home. The lender was Regions bank and they did a 3.625 for me on a 30 year fixed. That was a fha loan due to my credit being a 640. I went a year without a job back in 2007-2008 and I am still repairing the damage done to my credit back then. Due to the housing market, I was over 80% of equity so I got stuck with pmi for 5 years but I'm still paying significantly less.