I read an article this morning on dropping refi rates so I punched up rates at a few banks. The rates they are charging are absolutely outrageous. Nearly all rates are at 50 year lows (or more) yet mortgage rates from major banks are not???? Of the banks I looked at only Wells Fargo is offering a good rate -- low enough I may consider refinancing. Or I'll just do the teaser rate then let Uncle sam bail me out. Anyone got a good bank for refinancing other than Wells Fargo?