You don't need to hire your own attorney but maybe they offer lower fees to close your loan. The most recent jumbo CEMA refinance I closed was last week for just under $1,000,000 with very low bank, title and closing fees. The 15 year fixed rate is almost .5% lower than what you mention.
Source: http://www.zillow.com/advice-thread/Refinance-without-an-attorney/475114/
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