Need name of decent mortgage company for refinancing. Credit not perfect.?

We will need to refinance our mortgage loan in less than a year. Our credit rating is lower right now due to medical bills which we are in the process of trying to pay off. It seems that a lot of these companies are just out to make as much money as possible off of you using your credit rating as an excuse. We... show more We will need to refinance our mortgage loan in less than a year. Our credit rating is lower right now due to medical bills which we are in the process of trying to pay off. It seems that a lot of these companies are just out to make as much money as possible off of you using your credit rating as an excuse. We were rushed through buying our house by the owner and we are not to happy with the terms of our mortgage at the end of the second year.
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