LUcky duck I’m paying almost double that and can’t get refinanced...
I do consider myself lucky. Had to give alll my financials, tax records, income, banks and a DNA sample. Ok, not the DNA, but it felt like it. I have excellent credit though..
Have you checked any recent 2013 credit reports to see if there are any negative entries?
https://www.annualcreditreport.com/cra/index.jsp