Hi
I saw you are trying to refinance your home. My cousin lives in the Bay area of California and does refinancing. I told him that I did not want to come out of my pocket for this so he just added the closing costs into my loan. Also, he can pretty much beat/match any deal out there if you find something better as long as your credit allows it. Even if you don't live in the bay area, he can work with you still. I live in San Diego and I just went from 7.2% down to 5.25.
If you want his info, let me know and I can give you his phone # to his office so you can get in touch.
Thanks
Ariel