Can i negotiating a better rate by asking to talk to the underwriter? (loan officer, score)

[Evidence-is-key]

hi,
i'm refinancing in VA. perfect score along with everything else being good to go.
the rate i'm getting as of yesterday is 5.25% for a 30 year conventional, 0 points.

i wanted to know if there is anyway to negotiate a better rate if i ask my broker to provide me with the underwriter's information and talk to him directly.

please advise.

[chet everett]

Underwriters do not set rates directly and the only reason an underwriter would need to ever talk to a client is to clear up a problem in the application process. Things like a mismatch between some documents.

The rates that lenders charge borrowers are not really negotiated / negotiable. The process is designed to fit the masses not one-on-one...

[NJ987654]

Underwriters don't talk to consumers. They determine approval, not rate. The only person to talk to on rate is the loan officer. 5.25 is good. Shop around though.