[joey]

...how come I can't get it? Flawless credit in Minneapolis. Good job security and never missed a rent/car payment. Looking to buy a $130,000 home with 20% down. Every bank I go to (Wells Fargo, US Bank, TCF, Citi) all offer me 5.8-6.0%. Do they think I'm stupid or something? All my colleagues have under 5% on 30 year fixed.I have asked the banks for a detailed explanation as to why this is, and their answer is usually "bond markets are fluctuating today" or "nobody in the past 18 months has had anything below 5.8%...they want to get me to buy points or arms. They are all liars and scammers.