I'm in the house over a year, I bought the house with a large downpayment due to my credit not being the best...and over the last year...all bills were payed or even payed more than needed to try to get the credit ratings up... Right now it's a loan for for the house for $165Ks at 7.4%...and I have a bill of $944 a month for the mortgage payment...and I try to pay $1K or more each month to try to make an extra payment on that bill.... I need to refinance to bring the intrest rate down...and I'm currently at an adjustable rate...and I would like to try to get into a fixed rate...I think... When I bought the house, I had to get a lawyer and do a closing thing.,...would I have to do that again to get just a refinance? Would there be a huge closing cost on the refinance, and can that cost be added to the loan?.... is there any real secrets I should know to get the intrest down more than the bank will offer?