Want to refinance your mortgage while rates are low, and scared that your home will not appraise like it did when you purchased it, or did your last refinance? If you did your last loan before 5/31/09, you can still refinance, get excellent rates, and your home does not have to appraise like before. Many people are still sitting on 5%+ loans that should be taking advantage of refinancing to lower rates. Why would anyone not want to save on % and lower their payments? Give us a call-Diversified Mortgage Brokers, Tel: 434-237-3143, Email: email@example.com, Web: www.diversifiedmortbrokers.com . WE EDUCATE & DELIVER!