欧博Pennymac bought our mortgage from BofA...Should
It is what it is and you cannot control who the servicer will be on your loan.
As for the refinance, almost all benefits of staying with the same lender have been removed with the churning of the mortgage business, and if anything, I'm willing to bet you would benefit from multiple competitive quotes. Be sure to do your shopping all within a 2 or 3 hour window and the first words out of your mouth should be, I live in Texas. That is, if that is the case, Texas has the absolute toughest refinance laws on the books. I lend in all 50 states and Texas is the only state I cannot do a refinance in. (Texas has some of the harshest refinance legislation on the books). Do ask each lender for their interest rate, points and lender fees and ask for a 60 day quote you can lock by the end of the business day. You tell them what your score is (your best guess, the top tire for best rates is typically 740, however some give additional concessions (credits) for 760, then it drops by 20 points, 720, 700, and then 680 and on down). Obviously, if you say your score is 740 and it's 734, the quotes you were given will likely be adjusted. And that is typically true across the board. So, pick a conservative score for yourself and be consistent with using that score talking to people - I'd tell you to do a FreeCreditReport or such, but not one has been accurate.