I have only had the home for three years. Can I qualify for a lower rate.Its at 5.5 % now?If so who should I talk to. I dont know alot about thiese kind of things and do not want to get taken advantage of..May 12 2011 - Yucca Valley00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.