wont lower apr on home mortgage

DO NOT USE CITIFINANCIAL AT ALL EVERYBODY!!!! They are struggling to stay in business and they will dodge and hide from us consumers when you call. If anyone needs a refinance go to LOWER MY BILLS.COM I met a wonderful Mr. Derrick Thomas who got me a 3.5 FIXED rate and no hidden fees and smooth talk. Talk about keeping it real, this guy is SUPER and COMPLETELY HONEST. I AM OVER THE MOON ABOUT MY NEW RATE!!!!