You can enjoy the benefits of refinancing if you can get an interest rate of 2 per cent below the rate on your current loan.
Record / make copies of all the names and contact details and the details of your correspondence to facilitate monitoring.
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Its objective was to provide a system of financing adequate housing through insurance of mortgages, and to stabilize the mortgage market.
If you have a FHA mortgage you can always do an FHA Home Loan Refinance.
prepayment penalties can be intimidating, but they should not necessarily deter you from on line refinance, even a mortgage refinance with bad credit.

Make sure you are getting the best rate and the best deals for your situation.