I just refinanced (VA Interest Rate Reduction Refinancing Loan) with Freedom Mortgage at 2.25% (2.253% APR) with zero points/closing costs. Well that's not 'completely' true... They wanted 6 months of taxes/insurance paid to escrow that got added to the back of the loan that was considered a closing cost. But Freedom Mortgage paid all the typical fees including: Title Insurance, Settlement/Closing Fee; State Tax Stamp; Flood Determination Fee; etc.
I started the REFI on 01/27/2021 and am closing on 02/16/2021, so quick turnaround.