I want to refinance as soon as possible

Hello Debbie. It appears that refinancing is a viable option for you. We are direct lenders and fund loans in all states. Our rates are amazing and I would be happy to email you a FREE quote. Please send me an email so that I may better understand your situation. Thanks.

Hello Debbie ~ I would love to help you lower your monthly payments. I can give you some options, the rates are low so this might be a great time for you.shelldodd@sacmtg.net cell 916-595-1177 Thank you,Shelley DoddSacramento Mortgage

Debbie, there are some factors to consider when you're determining if it is your best option, but right now rates are so low that most people can justify it. Aside from the costs and breakeven analysis, you'll want to consider how much longer you plan to live in the home; the shorter the time period the more your loan should be structured toward no/low closing costs - longer time periods look for lower rate, perhaps even buying down a little. My advice would be to find a local mortgage pro you can review your options with in person. Go to the Find a Lender tab above and search for your area. (By the way, I love Madison...go Badgers!)