I think you underestimate the power of the yuppie wanker market.
^^^ those aren't the super double secret ultra custom mega reference monitors. You can tell since the list price is only half. Plus it doesn't have enough adjectives.
Yep we just finished our refi and folded the (minimal) fees into the loan. Knocked 8 years off the mortgage, lowered the monthly cost by about $100 and saved us a metric shitload in interest. We will now own the house before I retire start my second career.