Three years ago when I bought my home I got in at a good introductory rate and so I felt very good about it. I had never owned a home before and was very proud of the fact I was able to purchase a home. I went through, so I thought, a reputable mortgage company. Six months ago my interest rate went up as well as my payment. Because of this I knew I needed to look for a home mortgage refinance. I decided to call my credit union and see if they could do something about this for me. I ended up getting a better loan.