You must know the market and be able to assess the situation in which it is better to opt for a second mortgage.
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Your credit history records all financial transactions and lenders usually allow a point to check the ratings before issuing the necessary credit.

With so many facilities and events focused on the elderly population, you will not be a sitting duck and you will always have people to share.
refinance loan can have a fixed interest loan and a variable rate loan interest rates.
Ultimately, the question of whether to refinance or not, is that you and only you can answer.

It is not true in all cases to go forward with a plan to refinance FHA mean getting a lower interest rate.