If you are thinking of Howie, we have a mostly peaceful relationship, about like you and I do.

I would like to get a rate around 5.5. My loan is a bit smaller than theirs.

Using the terms legal and ethical in the same sentence as banker is kindof comical. Bankers usually pretend to be both but often are greedy and dishonest just like plenty of folks in other walks of life.

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[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.[SIGPIC]

..I also have a 427 Cobra replica with an aluminum chassis.