A place to go is the Better Business Bureau to their website, type the name of the information society in this regard.
Companies offering mortgage services say they are working hard to manage the increased workload of the dramatic increase in demand for mortgage refinancing.
For many people, there are bills or home improvements they would take what they can not take on the funds in their bank account, and this is one of the ways more affordable to get the money.
It could happen that you took your mortgage for a while, when your credit rating is not so good, you did not get the best rate possible.

But on the other hand, you are worried that you come into the category of bad credit or poor. You do not have to worry, there are many companies that can help you with poor credit car loans.

refinancing rates are generally lower than the original loan when you actually compare rates, allowing you to have more money, while simultaneously lowering your monthly mortgage payment.