Shop around and find one that fits your needs. 

Weather is still nice, can that window be removed and taken to a local glass shop?

Shopping centers, trendy restaurants are coming in and changing every day along with the increasing price tag.  

This is like driving around the shopping malls and Home Depots on the weekends to see if the parking lots are full of people Buying things and is the Economy growing or not.

This is a ruse so people can take fido into walmart when they are grocery shopping.

But since you are looking at the refinance, I wonder if it would make sense to shop the refinance fees and closing costs to different banks and credit unions. 

@Vincent Parello I have never had to replace a well, but it would run around $1,500, probably less if you shop around, looking at some quick google searches. 

In this case, I'm afraid that if I offer too early that he will shop my offer.  

I used to just pay invoices and think it was a waste of time to shop around too much. 

Here's just one of many stories:https://www.linkedin.com/pulse/great-retail-apocal...Multiple factors:  online shopping, a move to experiences from owning stuff, unappealing stores, and the same stuff everywhere.There's an elephant in the room, IMHO, and that's the concentration of wealth and income into a small group of people.