Al Viafore talked me out of refinancing. He seems to be really looking out for his customers - not only can he get much lower rates than i could find with legitimate lenders but he advised us against certain products we were looking at and talked us out of going through a refinance which was not very very favorable. He in fact told us our best option was to contact our existing lender, pay down the mortgage and have them reset the monthly payments given the rate differential did not offer any meaningful savings.