15yrs fixed refinancing rate

Every lender sets their own rates on a daily basis and that can be different for each client based on their credit profile and other determining factors. It's best to get a quote from 2-3 different lenders then compare them side by side to see which one is best for you.

Every lender sets their own rates and it could be slightly different to a mortgage broker or correspondent lender than for a loan officer that works directly for Chase. Your credit score, LTV and other details also make a difference. If you don't trust what you are being told perhaps you should consider withdrawing your application and find a different lender to work with...