About three years ago my husband was injured in a bizarre accident that left him disabled. Our home had just been paid off completely & we should have been relaxing, but instead we had to remortgage the house so that credit cards could be paid off & we could create a cushion until disability kicked in. The worst thing was having a new mortgage payment at a rate of 12.99%. In September of 2010, with interest rates dropping to drastic levels, I decided to try to get our interest rate lowered. First of all there is no such thing as a free... read full review »