“We only re-financed to lower our interest rates. “
Who orginated your loan? You should check with them. Hopefully you didn’t go through a broker...
I think we did go through a broker, Lending Tree or some such. We refinanced more than once. Had no idea what was up at the time. The last time we were told to “send your payment here now” was in 2007. Not sure when the last refi was. That was back when I didn’t know what was going on.
I have gotten some good advice on this thread and will be looking into it.