my mortgage bank has my intrest at 9 percent and refuse to lower it

Lenders do just lower your rate because you ask. That isn't how it works. You will need to make a new application, and if you qualify, you can get a new loan with a different rate. Reach out to a local mortgage broker in your area, give them an application, and hopefully they say yes. Good luck. I lend in MN WI IA SD ND. Find me at FirstTimeHomeBuyer-MN.com - Cambria Mortgage, NMLS 274132