Every time you refinance, the salesman makes a commission.
When they call, tell them to get lost. Those are the subprime lenders that are doing the cold calling.
the best way to get a mortgage is to do it the traditional way: Go to your local bank, S&L, or credit union.
If you want a lower rate, go with a 15 yr mortgage instead of fixed. Can't afford 15 yr? Buy a smaller house.
Of course for the marginal borrower, its all easier said than done.
The thing to always remember is the salesmen are interest in only one thing, and it's NOT your best interests.