Cash out refi interest rates

[Rob Golob]

I’m in NW Indiana and am surprised at my primary residence refi rates.

All no points offers are coming in at 3.5%.

Thoughts and or advice?

Are all of the advertising of lower rates just malarkey?

Value 500k

Balance 200k

Looking to borrow 400k for 200k cash out

750+ credit and very low DTI

30 yr fixed

Thanks I’m advance