Our cousin Todd's fees are just like any other mortgage rep's fees BUT if you refi with him and let him know you're a friend of mine or Chris' (whether it be past, present, or future friend), instead of being charged 1 point for all your refinancing, you'll only be charged 1/2 a point. SO, refi with Todd. I know this is all a bit confusing. Todd said if you call him up or send him an email with what you'd like to do, he'll give you a quote of what it will cost. What can it hurt? Shop around, get some other quotes and compare to Todd's. I guarantee you won't get a cheaper rate.
Questions?
Lemme know.
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