Has anyone here successfully managed to refinance their mortgage, even if it required changing banks to do so? I know there would be huge fees, etc, but with the interest rates these days it seems it would be silly not to try, even though a hassle. If anyone has genuinely done this and can give an idea of fees, penalties, etc, I would very much appreciate it. (Yes, I know we'll have to doublecheck our own banking documents, etc, but I'd love to have some general info if anyone can share their experience.) Thanks in advance for any pointers.