Perhaps you purchased a home under contract for deed; one of several owner finance situations. Now, you might like to refinance so your mortgage will be with a lender which will help you start rebuilding your credit.

Other reasons for refinancing could include a future balloon note, or maybe, your current rate is too high. If this is the case, then you might qualify for a better rate and term to lower your monthly payment. Most of the time your closing costs can be rolled into the new loan. So go ahead,
apply online and start adjusting your loan to your terms.