I need to lower my monthly mortgage payment and do not have perfect credit, help.

Hello Jaime - We specialize in borrowers with credit issues ...if the home that you are looking to refinance is located in the state of California I can help !!! We have many programs that are available with fico scores as low as 600 and if your score happens to be lower then that we have a credit repair company that will assist you in clearing up those issues and then doing what is known as a "Rapid Rescore " to get your score high enough for the program that best suits your needs.We have a online quick Qualification form that you can fill out and have a answer within a couple of hours or feel free to contact me at (310) 984-0496 Jeffrey Martino Young