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Loan Information Andy Ross Group Licenses Our Mortgage Programs Loan Process Tips on a Mortgage Process Cost of Deposit Index Resources Calculators Glossary Mortgage Terms Tax Benefits	Frequently Asked Questions (FAQ)   1.   What are the most common mistakes in buying or refinancing a house? 2.   Should I refinance? 3.   Should I pay points? Does a 0 point/0 fee loan really exist? 4.   What is a FICO score? 5.   Why do interest rates change? 6.   What is the difference between pre-qualifying and pre-approval? 7.   What is a rate lock? 8.   Can my loan be sold? What happens if my lender goes out of business? 9.   What is PMI? Can I get rid of the PMI on my loan? 10.   What is an APR?