Did I say "I can only guess that trying to refinance has to be
a royal pain in the butt in this market?

Well lo and behold I get a Fed Ex letter from my bank offering
a refinance at 4.7% at no cost. (Yes no cost at all).
Not even present or past tax records or W2s.

If they will come down to 4.5% we may go for it

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"What you hear in a great jazz band is the sound of democracy. “The jazz band works best when participation is shaped by intelligent communication.”
Harmony happens whenever different parts get to form a whole by means of congruity, concord, symetry, consistency, conformity, correspondence, agreement, accord, unity, consonance…….