For help with your refinance you are going to need to contact a loan officer. Your options are unlimited as you can just about work with anyone around the country if you choose to. I would suggest working with someone local this way you can meet face to face. This is a business of numbers but it always seems you can get the best deal when you build a relationship and can have the guranteed trust and confidence in a lender. If you have not already been in contact with someone I would be happy to recommend a few lenders I work with on a daily basis. Best of luck!