Home Mortgage Refinancing

Question and answers home mortgage refinancing information

The bill president bush just signed for home mortgage refinancing?
if so how and when can we refinance using this gov. bill

What are the negotiating terms/drivers for a 40 year fixed rate home mortgage refinancing deal?
I'm looking to obtain the best deal possible, so help me with the hidden quirks on this of type of transaction.

Home mortgage refinancing fees?
We bought our home less than a year ago and want to refinance. The bank that originally held our mortgage sold it to another bank. The bank that holds it now says they want us to pay for the title, lawyers and appraisal again. If all this was done less than a year ago why do we need to pay all these fees again?

What's the current minumum fico score for doing a stated home mortgage refinance deal?
i want to refinance my home,but my broker tells me that the minumum fico score is constantly changing,so,i want to exactly know what is the minumum score to do a stated refinance mortgage deal right now?

Madison First Financial (www.madrate.com) for a home mortgage refinance???
Is anyone familiar with Madison First Financial madrate.com and had any experience with this company?Are they a first rate company with a good reputation? Has anyone used them or known someone that used them for a mortgage?

Home mortgage refinance do I refinance now or wait till august. if do it now is a penalty of 15,000.00?