mortgage refinancing, home equity loan Getting a home equity loan is more difficult now than it has ever been, and if you want mortgage refinancing, you might consider loan lenders who can get you into an FHA loan. The FHA loans are rising in popularity because they have great interest rates associated with them and the payments are the same, month after month. If your home is valued below the cap rate for your neighborhood, you really should consider an FHA mortgage refinancing, because they will be your best bet. Lots of people took out the funny money loans thinking that they'd sell their homes before their ARMS reset, but when they couldn't sell them after the market crashed, they got stuck with some bad loans. Knowing your payments won't change over the life of the mortgage is a good thing, because there are few guarantees in life. Being stuck in a loan that you suddenly can't afford is a desperate feeling, and getting into a loan with guaranteed, stable payments is so much better. If you want to learn more about refinancing, call your lender.