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- ----2011-12-09 20:13:05 Watertown MA, United States My mortgage broker Dennis Kelleher is great and honest. I just refinanced yesterday with him for 4.625% with no points, no closing cost, no hidden fees. Every loan is different, every day rate is different as well. Mine was based on 80% of a over 400,000 property and 30 yrs fixed, also above 740 good credit score. He mentioned that if your loan is 60% ,you could get even lower rate. It's all depends. But he is really honest which we really need. It's second time he does refinance for us.