<human>: Can you provide a brief rundown of the text in within 3 sentences?

Currently at 4.125% 30 Year Fixed. House has appreciated apx $80k in the last 2 years.  Goals : Remove PMI, Reduce rate to at least 3.5%.

Reason for post - I have seen hundreds of refinance posts, I have participated in many of them - I have searched for "refinance" - but there doesn't seem to be much consensus on "the best refinance" company out there.

I checked with my credit union - their rate is not the lowest I can find, nor are the fees. I checked with my current mortgage lender - their rates are lower than I can find at most places, but they want me to pre-pay for the lower points to the tune of $8600.

Went through a mortgage broker on our last home - he was a really nice guy - made the whole purchasing process a lot easier than current house was - but in the current "sellers market" I am afraid a broker or a service like www.lendingtree.com would line us up with hidden fees or add-on rates for their "spiff program"
<bot>: Is there a wonderful, easy to work with, low/no fees, great low rate refinance company out there?