[Resident]

without Refinancing? Has anyone had any luck talking their banks into lowering their Interest rates without having to refinance? I do not want to start back over at 30 years when I am already 10 years into current loan.If you have, what was the deciding factors the bank looked for?First, my Bank just called me telling me they wanted to offer me a lower interest rate. I have not missed a single payment and re-financing would shave nearly 3% points off my I/R. Not knowing how long I will be in this house, my thoughts were I didn't want to tip the scale of Interest / Principle back to almost all Interest again. Now that I am going back to work, I would like to more closer to my new job.Just merely asking a question as to if it's possible to just lower the I/R on my existing loan rather than going thru the whole re-financing process and changing the scale of Principle to Interest. Again, this is based on my bank calling me telling me they can offer me a lower I/R.Per question, I have a 30 year fixed. The main issues is if the bank offers me a much lower I/R, can it be done as a modification to existing loan as opposed to a complete re-fi. Not sure why the angry responses for trying to make the process simple.