Closing on our refi today through ING. After numerous hassles I have been through trying to refi (self employed for less than 2 years) we did the refi in my wife's name. We started the process two weeks ago. All done on line and very easy. Never had to meet with anyone.
Not sure what the rate is today but we did a 5/1 arm at 2.65%.
I was looking at a 10 or 15 year around 3% but ING didn't offer exactly what I wanted. I did some calculations, if you pay additional principal on the 5/1 arm to match what your payments would be on a 10 or 15 year at 3% it works out to almost the same interest expense and payoff date.
Edit: Closing cost was $1,100.