What can I do to get more (or better) quotes for my loan request ZR-GYKYQLXMy mortgage rate is 4%. Why is it that I cannot get a refinance rate lower then 4.6%?I realize that my mortgage balance is only about $75,000 currently, but people with balances of $300,000 and more are able to get refinance rates as low as 3.3%, and some even with no costs. Do lenders have something against lower income home owners? We deserve to save money just as much as the rich.July 26 2012 - Jacksonville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.