Does Bank of America have the lowest mortgage  rates?   Who has the lowest rates in Texas?   Austin, TX 512-996-8194 | Houston, TX   call 713-589-2244 |   Dallas/Fort Worth, TX call 972-325-2120 Most people simply go to their local bank when they need to buy  or refinance a home.     But do retail banks really have the best mtg  rates?     In [...]