Who are the best lenders out there right now regarding re-financing a home mortgage?

Spaghetti asked:


I am currently with Citimortgage and I’m thinking about re-financing my condo.They do charge a one-time non-refundable processing fee of $635.00.Is that a decent price or are there better deals out there and what lenders don’t charge a closing fee (if any)? Any recommendations?

Gwen