If you use a mortgage broker be sure to make a mark and read all the small print.

The fees also include the certification of flooding, mail, title search, tax service, title insurance, etc.

Pointing to your current lender that you really want to make good on your mortgage payments, they are often more willing to work on something.

Please note that your personal finances are at stake and not those of others. The ability to make a declaration pure and simple yes or no to a mortgage refinancing operation comes from your sense of self and not someone else acting on your behalf.

Only mortgage interest: Here the payments will not include the principal amount due.

It is important to remember that refinancing your current loan is best considered when current rates are at least 2% less than the interest rate you are currently paying.