How do I shift roughly re-financing my home mortgage?

Our current rate is 7.75% on a $168,000 loan and with the drop in interest rates, we'd resembling to explore re-financing. Are there any companies that will do all the legwork for us? (i.e. find us the best possible re-financing matter.) If not, where do I start? I don't want to fill out a ton of credit applications beforehand I know all the terms of the loan. Thanks!
Answers:
Call a mortgage broker - in truth more than one. Ask them to find you the best refinance with zero points,and preferably reduced closing costs.

Points and closing costs on a latest loan can soon eat up any gains you get hold of from the reduced mortgage payment (depending on how long you plan to stay in the house).

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