I want to find a program that will help me to lower my interest rate and monthly payment

The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

We are all looking to save a little money. Refinancing your mortgage loan can be the best way to get this done, with that being said you should call a local mortgage banker/broker to talk about your Conventional or FHA loan options.

Aren't we all... I suggest you contact a mortgage broker in your area, Give them a full application, and let them zero in on what you have now, and what options are available to you. Honestly, without a full application, no one can really help you... Good luck.

Hi Ken,I have closed quite of few loans in Mississippi and would be glad to help you. To answer your question professionally I need to know what type loan your currently have and of course what your current rate is. Depending if you loan is VA, FHA or conventional depends on the best way to help lower you payments. My contact is lindseys@ffbf.com or 850 257 2621 ext 3632. As a Certified Mortgage Banker I promise you I will do what is best for you!Stan