Trust me, if you think that you are the only one in your position, well, I can assure you that you are not.  The reality of the way that the economy has been over the past couple of years is that there are a lot of people like you and me, that have poor credit that need help saving money, and one of the best ways to be able to save money, is to get a better deal on your home loan.  That is why you’ll find that there are plenty of places where you can get a bad credit mortgage refinance loan, so that you, and everyone like us, can get the help we need.