Just an update...I was able to refinance in August 2008 with a CU...Interest 17.99% to 6% and payments decreased by $100...I kept the remaining months on my original loan...I also signed my contract and will be settling in June (House not finished)...I am locked in with PHFA @ 6 % but will go through FHA in May to get a rate in the 5's...LO advised no need to look now because I have a few months before I settle ut I will get a beter rate...Thanks to all of you who have helped and good luck to those who are trying.