I bought the house last year in Tx. The price is quite high at 10%. The cost of the house was $ 125,000 and I pay $ 1200 per month (excluding insurance and other costs) the sum of $ 1425.00 more. I would like to reduce as much as possible, but my credit card is less than perfect. Are there that mortgage companies to refinance my house at less than 30 years fixed loan? Thank you in advance, which is very important to me, so if you know what to say. It could get to the point where the difference between my apartment or not wird.Meine total acquisition cost was 2300 Dollar.Wo I would find a good mortgage broker?