Creme Brulee'  I keep all of that for myself.  Anyone know how to make a really good one?

It really is a lot more effective if you go to see them in person.  By all means be honest about your situation and your need to reduce the rate, given the current economy.  Right now banks don't want to be stuck with another foreclosure if they can avoid it.  Tell them you will refinance through someone else … Read more