Actually, I haven't seen a 30 under 6% in this round of looking, and as a matter of fact, financing the closing costs & points gives you a lower APR than not (infinitesimally), and this rate is lower than that available for no points.
Believe my I'm not as dumb as I sound. I wrote out all the figures, calc'd total interest paid, total amount remitted, monthly payment, etc, etc, and the fastest way to _build equity_, my goal, is to get the 15 with as many points as possible, and finance everything. After 12 mo, my loan balance is back to what it is now, and after 24 months, I'm where I would be in 4 years sticking with my current 30 y, 6 7/8 loan.
This is what I'm doing, not recommending a man of your means do so.
thanks again.
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