A few quick questions

First we make sure your loan is the kind we can help with. Then a couple of numbers from your monthly mortgage statement. Grab it if it's handy.

What kind of loan do you have?

Not sure? Most loans that aren't government-backed are "regular" (conventional).

How do you pay for PMI?

If there's a "PMI" or "mortgage insurance" line on your monthly bill, pick the first one.

Does your interest rate ever change?

Most 15- and 30-year loans have a fixed rate that never changes.

Do you live in this home?
Have you refinanced this loan?

Refinancing means you replaced your original loan with a new one.