If you have a 30 year loan and have paid for 10 years, you can refinance.

If things are still tacky, then get a real estate attorney to get you out of trouble.

Remember, knowledge is power, stay informed by reading and research your topic.

There is no better time in the last 40 years to get a mortgage loan refinancing now.

The savings could say there are a few more bills than you can afford to pay.
Do not expect a low monthly payment amazing, but you'll spend less on monthly payments compared to credit card debts, but more compared to your first mortgage.