If you are not satisfied with the options offered by them, you can also do personal research.

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By refinancing you can also put you in a better financial situation in 3 different ways.

Such that, considering how much the monthly payment that you can afford, if a result of a tight budget or an expensive house is a warning flag that you may be looking at the wrong house, but not bad loan.

There may also be other different requirements for taking a second loan or a refinance.

Financial institutions will need to consider you when they find out you have a cell phone and no home phone.
A refinancing option helps if it can make more savings compared to the previous mortgage.