Where is the best place to go for refinancing a home?

I am thinking about refinancing since currently I'm at a 7.5% loan. I've had the house for almost 3 years (paying that interest!) and I'd really like to lower my payments. Can anyone make a good suggestion as to who I should go through for a great deal? Only problem is I don't really have much... show more I am thinking about refinancing since currently I'm at a 7.5% loan. I've had the house for almost 3 years (paying that interest!) and I'd really like to lower my payments. Can anyone make a good suggestion as to who I should go through for a great deal? Only problem is I don't really have much money to put up front.
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