The Federal Housing Administration is in the process of making it easier for homeowners who have had credit issues to refinance their home loan. The new FHA Secure mortgage program will benefit homeowners who have fallen behind on there house payment due to taking out a variable rate mortgage. This is great news for people who have been unable to refinance their mortgage due to late payments brought on by their interest rates adjusting and problems in the housing industry. You can compare interest rates and mortgage quotes free online to help determine the best lender for your mortgage refinance.