In order for a bank to determine if they can offer you a refinance, they will need some pertitent information such as income, credit score, equity in the home, payment history, etc. If you want to provide the trulia community with some of this informatin, we can give you a general idea if you qualify. however, i suggest contacting a qualified loan officer. Give them the specifics to get the answers you are looking for. if you do not know a qualified loan officer, just to to lowermybills.com or lendingtree.com.