What can I do to get more (or better) quotes for my loan request ZR-QQDPMBGhow do i qualify for a lower apr on my home loan. i currently pay 5.85%apr. the home originally cost approx. 150k. i put 20% down, and have made all of my payments on time since 7-06. i have excellent credit, and owe nothing to anyone, or any credit card. i pay everything in full every month. so how is it that i do not qualify for a lower interest loan?? thank you, kDecember 30 2011 - Nampa1YesReport 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.