Refinancing My Mortgage - Part Two

“Have you ever been late on your mortgage payment?” That was one of the first questions I was aked when I talked to the loan consultant about my refinance.
This conversation took place in early November and I still had not paid my October 15th payment.  I had seen a copy of my credit report before [...]

Refinancing My Mortgage - Part One

I added up all my debts, how much the minimum payments were, and the amount of interest I was paying every month and when compared to my income, it looked very unlikely that I could even continue to make all the minimum payments.  Obviously, I have to pay a lot more than the minimum due [...]