Like I said, get help if you need it. Make sure you know what you are getting into. There is plenty of help around, just like FHA Streamline for your housing needs. They offer free quotes in minutes. However, make sure to read the fine prints, but there are no fine prints, are you sure there are no fine prints. If you don't understand anything ask questions. There are no stupid questions.
If you can find any meaning for Federal Housing Administration, try locating it somewhere else. Furthermore, if you don't know what they stand for the internet can be access in your local library, and while you are there, try finding a book about it.
You can find different kinds of home loans and refinancing from streamline. Pick the one that is perfect or close to your needs. If you are in military or veterans check them out first. With this economy, every little thing help, all you have to do is find it or look for it.