Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process. 
