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 [...] http://bit.ly/rrInjo