<prompt> Human: I am planning on refinancing through Quicken mortgage. My wife and I usually submit our taxes as joint, but have in the past also submitted as married filing separately. I have the best credit score and am the only one employed at the moment.  <response>: planning on refinancing through Quicken mortgageNot related to your question, but in my experience you can probably get a better rate elsewhere. How much shopping around have you done? 