Nope, not pointing any fingers.If you were talking to me, we also shaved about 1% off our current mortgage at the time. So it was worth it to refi.
Just saying how it supposed to work. I refinanced my last house once every I think 30 days because the rates dropped so much. Could only do it after a certain time frame. Might have been 90 days. Been a while. We refinanced, nothing out of pocket. Kept the same time frame but because of points lowered our payment. Did that four times in a row.
Refinancing is money in the bank if you do it right. On the other hand I have seen people refinance to by a motorcycle. Paid on that thing for 30 years... umm, no thanks.