Refinancing Home Loan Questions?

refinancing

I have a home loan with IndyMac bank since summer of last year. The interest rate is 6.5%. My credit is excellent, mid 750s. I was wondering if banks (if you have this particular bank your info would be appreciated) refinance with their own current customers, and what the fees force be to do this.
And I want to refinance strictly for abetter interest rate. I have only paid off a few thousand of the loan, and I place zero down.

Refinancing Home Loan Mistake?

refinancing

I recently recieved a loan from Capital One online to refinance my home. after they paid off my past Lein holder and credit cards they told me that they had failed to give me 3 full days notice of right to cancel. They quickly sent me Fed Ex document to sign and turn back in immediatley. Are they in the incorrect to get me to sign the form after the loan was processed . Any info would be appreciated, Thanks!