abovetopsecret.com — Your “6%” ‘fixed’ 30-yr mortgage is a 580% variable. Table proves rates “front-end loaded for interest” start at 580% & NEVER reach 6% til 30th year. U.S. average: refinance every 5 years (rate is 102%). Fed/Bank of England/Deutsche Bank/Citi predatory lending sells 580% variable loan claiming it's a 6% fixed loan.