Reply #4: Second the find another bank idea

[Statistical]

If you have good credit & 5% down the banks should be lining a path to your door.

If and only if another bank says the same thing look into opening 2 new accounts but understand

1) it will lower your credit (new accounts & inquiry always lower credit score).
2) there is a 99% chance it isn't necessary.

There are lots of banks and you only need one.

Here is a funny story. Countrywide/BofA wouldn't lower our rate. We found another bank who refinanced us at 4.25%. Once the loan closed they sold the loan to guess who.... Countrywide/BofA. :)