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Great to have you here on the Clark Howard Show where it's all about you and that wallety yours.

I want you to learn ideas so that you can save more and spend less.

And don't let anyone ever rip you off.

Clark.com and ClarkDeals.com are our websites.

So I wanted to give you an update on a topic that I addressed last week.

And that is with the collapse of financial markets,

the value of refinancing your home skyrocketed,

because interest rates on mortgages have fallen to historical lows.

But now lenders are flat out overwhelmed.

And in a move that I think is unprecedented,

there are anecdotal reports that lenders are posting false rates higher

than what they're actually willing to write loans for so that people won't call.

I mean, I have never heard of that.

Over the years, there's always been a problem with lenders who post false low rates

to try to get people to call.

And then they say, oh, well, you don't qualify for that rate,

but we got this higher one for you.

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