What a day! I want to ReFi my home in FL. I got 2 people from 2 different Mortgage companies, telling me, How better each one will do for me. I just added everthing up they come out to the samething! O ne will "give me" 1 1/2 points and 6.0 ( but get me on the closing ) and the other will "give" me 3.0 points and 6.125= to the samething! I want to go with the company that told me where my money was going, but the company that quoted me higher on the closing, is a friend of mine ( I know, what kind of friends do I have? ) actually, he was my divorce lawyer that turned into a friend. So, what do you guys think I should do?