Exactly... I noticed something similar myself too but not as much drop. 150 points can often mean the difference between a good mortgage / loan and a high rate... sometimes a 2% difference. APR difference of 2% can translate to $10,000 in interest over the amortization period of a mortgage. It is not really worth the miles.

This was also confirmed in another (MSN) forum, have a look.

http://moneycentral.groups.msn.com/Y...06144151685495