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In their booths, the agents work through long lists of US phone numbers, some making promotional calls or sales, others calling about debt collection and refinancing.

However, refinancing also depends on your credit score, income and debt-to-income ratio.

Recasting a mortgage loan is one way to lower your monthly payments and pay less interest without refinancing.

If you have private student loans, you may want to explore refinancing them to get a lower interest rate.

It was also pinning its hopes on getting government loan guarantee that would allow refinancing with more conventional lenders.