Mortgage Rates for REFI..

[Chinmay J.]

Very simple question this time around.. What are current REFI rates for someone like me who has over 800+ score.. The ratios fit just fine. The property is owner occupied. I am being quoted 4.3%.  When I asked the lender websites like bank rate are advertising 4.17%, I am being told that the websites like bankrate don't update in real time and there is a time lag..  Is this truth or bunch of BS. 

I don't have time to shop around 10 different places, so always go with established relationships, and trust them.  Am I being taken advantage of for being trusting?

Time for a divorce?