Congrats on the refi!
Did you end up going through Tom?
Just to give you a head's up, our closing went really long - they didn't have the papers quite ready. The title co said it happens with them a lot, but that they also have the best rates, so it's a trade-off I guess.
We had Andrew with us and it wasn't cool waiting, so that's why I wanted to warn you
Yay for saving money.