NACA experience: CHANGE MY LOAN - Part 3

And so, after nearly 4 hours in the stale, chilly Cow Palace air, the gentleman representing my bank asked me to sit, gave me a very friendly smile, tinged with the slightest hint of insincerity (or was that a big dose of ennui?), and sent me home with a firm "no". Darn! Alas, my quest for a better mortgage continues. So, in which key shall I sing my blues?