Not only that, of course, but remember that your mortgage loan refinance will help you with commercial mortgage refinance. It won't get you anywhere. It is not uncommon to see price declines of up to 50% in some metro areas. Fix your credit and get out of debt. They were duped into thinking that they would be able to refinance their home in 1-3 years because their home would appreciate. A home loan for people with bad credit is probably not the best thing for you. They only care about making sure the loan is performing. Take responsibility and make ammends to your credit and spending before you start to go about looking for more debt.. In the last 2 years, the entire housing industry has seen major declines in home values due to the huge rise in defaults. How can one be allowed to say what I mean when that deals with mortgage loan refinance in a unique way? If you have bad credit and are trying to find a way to refinance your home loan, you would do best to try to talk with your current mortgage loan servicer and see if you can work out a loan modification. Don't be so high and mighty. Once you can teach yourself that you can handle the responsibility, then you can consider a home loan. Do you want to feel jazzed? If you have trouble getting your head around that, then don't worry. I will survive. This is a public way to harvesting mortgage and refinance. So what can you do about it? So don't make excuses, and don't take it out on the bank. But you know, you can do both with mortgage refinance bill and I have quite a few other ideas about mortgage refinance program. However, the downside is that you may only have one mortgage loan refinance that is worth developing.