The process will be faster this time because the company knows your history.

Suzie is now stuck paying above the mortgage rates on the market because it does not understand how the mortgage broker is compensated.

refinancing experts will also give you information about things to do and great places to go near Sanibel.
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Mortgage brokers are compensated by charging origination fees for their services, but they also take kickbacks from lenders for charging above market interest rates.
If you have built equity, you can use the extra money to pay part of the premium or use it to make improvements to your home that will further add to its equity.
the credit card companies want their money back too, this is how they survive.