I'm hoping someone here might have some words of wisdom. I'm driving myself nuts. My BF is absolutely no help, so I'm turning to you wonderful women to see if anyone can help put my mind to rest here.

I'm doing an FHA streamline refinance on my house. I first went to a guy recommended by a friend and found that he was a little shady for my taste. Then I went to a refinance company listed on the HUD website. He gave me a rate and a payment. I was good with it and got the ball rolling. Then, I second guessed myself and called my bank. They gave me a slightly better rate and payment. They said I would have to bring in some cash, then later changed and said no. I went back to the company and he said, I was going to surprise you with extra cash back, but instead, I can get you the lower rate however, you have to increase your insurance (meaning a little more money).

In the end, it looks like the bank is a little better, but I can't be certain. I have to pay about $200 to the company and will have a total payment (including ins/taxes etc) that is about $30 higher. With the bank, I shouldn't have to change anything, and "probably" won't have to pay anything. Initially, the woman who took my sapplication info said I would need to bring in about $2000. Now, my loan officer says probably not, if anything it will be minimal. Unfortunately, everything is just estimated in all the paperwork for both places. I hope this makes some sense. It all makes me feel completely stressed.

Does anyone have any experience with all this? Is there any reason to chose one over the other besides payment? Is there anything in particular I should look for on the forms? I think I'm just stressing because I feel as though I'm screwing the company who has already done work on the file. I also feel pretty vulnerable. Any advice would be great...

$30 isn't much, but could add up to a beautiful new bike over time!