Admitting you were wrong on the internet takes guts so good on ya lol. I once spent three weeks telling everyone at my old job that a guy was running some kind of parking lot scam downtown, turned out he was just the meter guy doing his job. I felt like such a jerk. Anyway it's nice when the "too good to be true" thing actually turns out legit, those no fee refis usually have some catch hiding in the fine print. What made you change your mind, was it the paperwork or did you actually close with him? Just curious cause I'm in the market myself and keep getting burned by closing costs.