I put all my card debts onto my house had to refinance at higher rate last year want lower rate what do i do?

Remedios
Depending on how much equity you have and what your credit score is, I can get you a lower rate. I work for a large mortgage company. E-mail me if you want my contact info.

Antonetta
Try a search at http://www.online-mortgage-shoppers.com

Danita
You would want to do a rate/term refinance. The rates are generally lower for this then if you are using equity to pay off debt. In addition to that, rates currently are lower then they were last year. Fell free to contact me for help. I am a mortgage broker and am licensed in all 50 states.John (818) 645-0585