I'm just gonna throw this out there. We are currently renewing a mortgage that comes due on dec 15th. The paperwork has already been with our broker for over a month. We have chosen a new broker based on an ad in their window (2.34% for 3 yrs fixed). You must qualify at the gov't rate to get this which we do. Today we were offered 2.59% for 3 yrs. The lender that offer's the 2.34 rate apparently has a very slow underwriter and we are out of time. That is not my fault, yet we are expected to pay .25 point more for 3 yrs because of it. I am not unhappy with this rate but I somehow feel cheated. Am I making a mountain out of a molehill???