Bankruptcy Can Prevent You From Refinancing Your Mortgage - Even With A Credit Score Of 700!?

Don Taylor, over at Bankrate.com, recently received a question about Bankruptcy and mortgage refinancing that I think is a poignant reminder of how serious bankruptcy is and how long it can follow you.
The reader writes to Mr. Taylor and pleads his case:
We have about 60 percent equity in our home. We both have credit scores [...]

How to Save on Mortgage Costs, Including Refinances.

Closing costs for a home range from 3-6% on average, and most lenders require at least and additional 5% down payment.
My wife and I have bought two houses, sold one house and refinanced once. Here’s how we’ve saved on our closing costs, mortgage and more - and you can too!
Have the seller pay the closing [...]