OK, so essentially what's going on, is I might possibly be making some locational chances in the near future (some of you know what I'm talking about).... as it is, I'm not going to be able to afford the payments on the R1 in the near future...so I'm looking at either selling it (which I really don't want to do), or refinancing... I really don't know dick about refinancing, but from my understanding, I would essentially get a loan for my current payoff amount, and I would have a lower interest rate and/or lesser monthly payments... any advice? anyone know how i'd go about doing that? and does anyone know any good places that could do that sort of thing? I really don't want to just get online and use some type of search engine and use some sort of online financing aid thing... help, please?