Find someone more interested in volume than maximizing every deal. Here's how it works (I'm always super transparent with pricing and how things are):
The typical direct lender shop makes 3% per loan amount.
The typical broker makes about 2.5%
The national average can be found here: https://www.mortgagenewsdaily.com/mbs
Now- keep in mind this does NOT include points, and for some reason (people in my industry are idiots and borrowers are ignorant- b/c why wouldn't they be when they do this 5 times in their lifetime) something like 78% of people are paying points when rates are super high and you aren't likely to be in the loan for a long time- my industry should be flogged for that.
So- when you look at the national average the likelihood is that has about 2.5% or so in compensation to the broker or in payment to direct lender and cost to run their branch (staff, building, computers, software etc).
I typically work for 2%, b/c I have almost no overhead. And by working for 2% I'm going to be better than the national average.
If a client comes from a place like Surly, has good credit, is doing a refinance, and is someone I want to have in my database and mailing list I'm willing to do a deal for less than that- if the time makes sense. Refi's are typically easy- if you are refinancing your own client you probably already have most of their shit and just have to get some stuff updated. I'd rather do this 4 or 5 times while they walk down the staircase (always free to the customer) and make 1 point at a time than do it once and have the customer feel bad a year from now when it's time to go again.
So- I work for less than normal and use the rest to pay all the closing costs. And I will do it over and over and over again, b/c it's good for the customer (who doesn't like free money) it's good for my staff, and I'd rather have all of 5 grapes than a sliver of a watermelon.
If you want this free refinance feel free to reach out. WE do them all the time.