I just finished refinancing our jumbo. In hindsight I’d rather poke sticks in my eyes than do it again.
Similar situation here - refi from an ARM at 3.75 to a fixed 30 at 3.86.
Funny, ours was a breeze. Our kitchen was in the middle of a remodel, so most lenders wouldn’t even talk to us until it was done and we had the final permit. Evergreen bank agreed to the refi with the remodel in progress, approved us in nothing flat, gave us a great rate, and sent an escrow agent to our house to close the deal. I think we dealt with the bank entirely on phone, email and mail. It was the sweetest, fastest, and easiest refi we’ve done and under difficult circumstances with the kitchen underway. I highly recommend this bank if they are in your area.