Zillow Advice: Mortgage - Is it possible? http://www.zillow.com/advice-thread/Is-it-possible/517714/ Zillow Advice | Zillow Real Estate You are most welcome!&nbsp; ... http://www.zillow.com/advice-thread/Is-it-possible/517714/ You are most welcome!&nbsp; Bless your evening! Mon, 04 Nov 2013 01:15:00 GMT http://www.zillow.com/advice-thread/Is-it-possible/517714/ 2013-11-04T01:15:00Z Thank You http://www.zillow.com/advice-thread/Is-it-possible/517714/ Thank You Mon, 04 Nov 2013 00:41:00 GMT http://www.zillow.com/advice-thread/Is-it-possible/517714/ 2013-11-04T00:41:00Z That makes sense.&nbsp; What ... http://www.zillow.com/advice-thread/Is-it-possible/517714/ That makes sense.&nbsp; What you should do is check with a reputable Lender to see if there are any programs out the to help with your situation.&nbsp; Just make sure they clearly disclose the structure and the end game.&nbsp; The 4.5% is not a bad interest rate by any stretch.&nbsp; Even if there are programs out there to reduce that amount, in the end it could put in place other issues that would have to be dealt with later.&nbsp; It's always best to stay with the cleanest, simplest loan you can.&nbsp; Sun, 03 Nov 2013 17:04:00 GMT http://www.zillow.com/advice-thread/Is-it-possible/517714/ 2013-11-03T17:04:00Z Yes its fixed&nbsp;Was jet ... http://www.zillow.com/advice-thread/Is-it-possible/517714/ Yes its fixed&nbsp;<br/>Was jet looking to lower the payments if possible<br/><br/>Everyone I talked to won't do it because my debt ratio is too high<br/>even though I am not behind on anything Sun, 03 Nov 2013 16:07:00 GMT http://www.zillow.com/advice-thread/Is-it-possible/517714/ 2013-11-03T16:07:00Z It sounds like you may be ... http://www.zillow.com/advice-thread/Is-it-possible/517714/ It sounds like you may be in about the best possible position already, however, it never hurts to contact a Lender and ask the question.&nbsp; Keep in mind to refinance, there will be new loan charges you will have to pay.&nbsp; Is the 4.5% fixed? Sun, 03 Nov 2013 03:58:00 GMT http://www.zillow.com/advice-thread/Is-it-possible/517714/ 2013-11-03T03:58:00Z