Where is the best (only) bank to get the absolute best deal on a refinance mortgage?

Question by twobearcatz: Where is the best (only) bank to get the absolute best deal on a refinance mortgage?
Does any such organization exist in this thievery invented by jews? It seems no matter what my credit score is I ALWAYS will get dinged on either a) closing costs b) rate or most often BOTH! Then, when you really play hardball with the banks they typically tell you they’ll only do an ARM or something, anything less than a 30 year fixed rate mortgage. What gives? Where is the deal? I couldn’t even find such a deal when they said rates were so good 3 years ago!.

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