These days its hard to trust banks because they're all out of business.
Try FHA.

Look at this blog it will help you to learn more about your situation.
I've got most of my answers there as well.

Good Luck.

Good Afternoon,

Great article! When you get a moment contact Beth Novak @ Riverside Home Loans on 5th Ave. in Indialantic
Beth@Riversideloans.net (321)759-5808. Have a great day!

Hello Cwilson999,

We are one of the top lenders in Florida. We are able to offer competitive rates with exceptional service and we would be happy to assist you with your refinancing needs. Feel free to call me for a complimentary credit analysis and review your refinance options.

Joshua Lerette - The Tampa Bay Mortgage Pro
Innovative Mortgage Services, Inc.
727-488-7355
josh@thetbmortgagepro.com