I see insanely low rates on the internet,

These may not exist or have extremely high costs associated with them. The ads you see are structured to get you to call. Once you call you’ll realize you are not getting that 30 year fixed at 3.5% that they are offering. Most likely you are getting a 2-1 buydown that will adjust up 2 points over the next two years. We have these loans available, but we do not tease you with these intro rates just to make our phone ring.