I got my home purchased a year ago and I have two ARMs. I am just hoping to combine both of them and refinance. Does anyone know of any such financial institution which can help me [url=http://www.mortgagefit.com/refinance.html]refinance[/url]? What shall I need to do or what all do I need to be informed of? I shall first of all approach the banks that offered the previous loans and find out what they have to offer?but will they send me an appraiser since it has been over a year from the purchase date that my house has been appraised for? And if you need this, well I don't know though,we had added cabinets in kitchen and a small shed in the yard.