Is anyone else refinancing a mortgage?

[Alex4Martinez]

2. Yes indeed. Need to have an eye for detail...

I was able to have the appraisal waived and a few other costs lowered.

I don't do this often but by asking for Fee worksheets that roll closing costs into the mortgage payment it's easier to do a comparison of multiple offers.
Taxes and insurance being the same no matter what, looking at the monthly payments with costs included provides an easy comparison.

For me, the lower rates with higher fees still come out with a lower monthly payment.