OK ... shameless plug for my niece, Cynthia Sneller. She is a loan officer and she recently helped me refinance my house and land ... and has cut my payment by at least 30%!!!!!!!
She also specializes in credit repair and has raised credit scores by over 100 points within a matter of weeks!
Check out her website and if you or anyone you know needs any help at all with their mortgage or credit give her a shot ;) *SmiLes* Suzanne
Cynthia's site is http://www.san-diego-mortgage-loans.com