Jason -
I would start with your long-time banker ... even if it's a big national bank, like Wells Fargo. They can see how long you've held your account there and how much you deposit monthly, etc. They'd hate to lose you as a customer if they can't help you out where you need it (especially if it's a service they actively market). If you have access to USAA, they'll be happy to help you refinance, but they won't service your loan very long ... at least they didn't use to. Personally, I prefer smaller, local lenders. They tend to keep and service the loans as long as you own them.
The rates are low through just about everyone, but watch your points and fees. "Points" will be a prepaid interest rate ... say you qualify for 3.99% on $200,000, but they have 1.25 points in addition to the new closing fees. You'll pay $2,500 in points up front, plus the closing fees ... this is a way for some lenders to keep rates low and competitive but still make money. For some people who may be at or under 5.5%, it doesn't make sense to refinance ... they might get a slightly lower monthly payment at the expense of a large settlement fee & over the remainder of the balance they owe still have paid out the same.
On our house, we chose the higher interest rate with zero points ... the higher rate was still only 4.75 and we applied the extra money to the down payment, instead of pre-payment of fees ... so we're paying a slightly higher rate on a smaller total sum. With a few planned extra payments, we'll have achieved the equivalent of the lower rate without having paid the "points."
