where can i find the lowest interest rates to refinance my texas home?

I want to take advantage of the low interest rates in today’s market. Right now I have a 1st mortgage at 6.0% (5,000) and a 2nd at 6.125% (,000). All I see all day are low rates but every time I look into it I’m only offered 5.0% or 4.8% when I’m seeing 3.75%. My [...] http://bit.ly/ljmwEa