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Yeah, I'm simply going to pit 3 companies against each other until one of them says this is their final best offer.
I think keeping money upfront is probably a wiser choice than paying down the interest. That money saved can go into the stock market, which is still discounted. A cash out refi could even make sense to throw more money into the stock market while deducting the interest payments on taxes.
This all gets very confusing trying to weigh paying points, vs simple origination fee, vs no upfront loan cost (increased rate). I'm inclined to believe paying as little upfront is the best strategy since any money saved can earn ~7% return in the market, interest payments are tax deductible, and the banks carry greater risk with the higher loan to value ratios.
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