Almost by definition you’ll NEVER get a par mortgage from a mortgage broker — that is unless that broker is your husband or wife, son or daughter. This is because par is the rate the broker pays – the best wholesale rate – and if he gave it to you he’d be giving-up much of his profit.

[http://blog.cringelysmortgage.com/2008/12/29/making-par-its-even-harder-than-you-think/]