Hi,
I used “Credit Solution” to settle my loans.They managed to reduce my loans up to 58% .It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:

Try using to get refinance quotes from the top lenders. It only took me a few minutes.

DeeDee, what does your mortgage indicate? Is there a pre-payment or other penalty? Has your homes value decreased? Do you have equity in the home.

If your home is in a declining area, your lender may require a 5 percent payment available from the equity of your home. (95 percent LTV)

I would check all your paperwork and speak to your current mortgage company. None of us know what will happen to interest rates or home values in the next 18 months.

A much lower rate with cosing costs wrapped into the loan would save you thousands in the long run. Unfortunately, I cant predict what rates will do in the future but can tell you they are the lowest Ive seen them in a few years.
I am employed by one of the largest mortgage brokers in the country. We work with over 350 lenders to bring you the best rates and programs. I welcome the opportunity to help. Please feel free to shoot me an email anytime with any questions you may have.