Union Savings Bank in Castleton. Low closing costs ($350). My family uses them for personal and business mortgages.
You may have already figured this angle, but once when I was looking into it, the costs associated with the whole refinance were actually significant enough that they ate most of the savings I would have made on the interest. The bank wanted to act like it was a whole new mortgage, inspections, application fees, title search, etc.
By applying the costs directly against the principle, It reduced the total interest payments enough to be a wash. That may not always work, but it is worth looking at, especially with a short loan term. Good Luck
I used the service of Northwood Mortgage for refinancing and also for getting the mortgage in time. I’ve always felt their service is up to the mark and they have always provided me with the best mortgage rates available out there. So I would definitely recommend them anyone who would ask for a mortgage and related services.
I second this^^^^^talk to Rick Ripma.