Hi RubyK! Welcome to the MyFico Forum!
If your mortgage is backed by fannie mae or freddie mac, or is an FHA or VA loan, then you may be able to do a streamlined refinance. If not, talk to your current lender about what options are available to you. It would be a good idea to shop options from several lenders before settling on one. Some lenders like to load you up with fees. To compare fees, you need to compare the Good Faith Estimates from several lenders.
Below is a link that may help you understand the Good Faith Estimates:
Good Faith Estimates Explained - ShanetheMortgageMan
Definately feel free to post any questions you have about the process on here. Best of Luck to you!
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