You want to discover precisely how you got into this particular situation.
Connect to some of their websites and compare different packages they offer refinancing.
-The difference between the interest rate you pay now and the mortgage interest rate.

The secondary market investors are the main controllers of the current home mortgage refinance rate.

Depending on the number of years you will enjoy your loan, perhaps you might be able to find the right deal when enjoying this type of plan.

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This would ensure that refinancing was possible and feasible, and would also demonstrate to the bank or lender that the borrower took a very active role in getting the best price available.