Richard,

You are looking at 5.375% to 5.625%, depending on the day. I'm still a few months away from being ready to lock the rate on our place (long rate locks cost more money).

Just a few pieces of advice.

If you are going to stay in the house forever, pay the fee. Over 4-5 years, you will recoup the fee. (most caluculations I've done show about 3.8 years to recapture the fee).

If you have been in your house for 5-10 years, why refi again for another 30 years? Ask your lender about a 15-20 year loan. A 15 year loan with a 1% fee is around 4.5%, no fees are close to 4.875%.

Pay yourself first and work towards paying off your house. If you can shorten your term, lower your rate, and keep your payment in the neighborhood of your current payment you won't have more cash flow, but you'll save tens of thousands of dollars in the long run.