If you were diligent you were able to get all the payments to the bank each month before they were late.

In case you are unable to get a rate that is low enough, a second mortgage could make your more precarious financial situation.

The FHA program makes a basic mortgage refinance up to 97% of the fair market value of the home.

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If you have a house to yourself for a number of years, then you have considerable equity in this house.
Recently, the federal government released billions of dollars to enable low-income people and turn their bad credit loans with variable interest rates that have gotten very expensive loans with low fixed interest rates.

However, it is important to know exactly when and how to refinance your mortgage.