Kay Baker is correct. You will need to speak with a qulified and experienced Loan Officer. Your best bet would be to contact Chris Hutchens with Alpha Mortgage at 910-231-4375 or firstname.lastname@example.org. He is well qualified and would be a great person to speak with about a refi. If there is a way to get you into a better rate; Chris will find it! If you have any additional real estate questions I will be happy to help. Shannon Lee, Broker/Realtor, Coldwell Banker Sea Coast Realty.... (910) 512-5399 or email@example.com
All the best,
I totally understand your situation. You really need the help and guidance of a qualified loan professional. I am a long time successful Realtor in Wilmington and would be happy to put you in touch with someone that can assist you. Please email me at firstname.lastname@example.org. Thanks, Kay Baker, ABR,CRS,GRI Broker 910232-0363.