We are soooo excited we went from 6.25 to 4.85% we will be saving $170 bucks a month!!!! WE missed the 5 % dip the last time and this was even better!!!! So folks if you have agreat credit and a mortgage over 6% ...this may be thge time to refinance! )))) Wells Fargo and Wacovia seemed to be the best options for us and WellsFargo was so nice to us since they are our current holder!!!