
It seems you can't go to an internet site that doesn't have some sort of banner prompting you to click to find out what rate you can get. They will use bait and switch tactics from advertising rates that are not available unless you pay ridiculous fees to hiding points and calling them something else yet claiming "no points".
Who legalized this blatant theft / blackmail of less fortunate homeowners? How does one go about regulating it so it's more fair.
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