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Our Services Physical Property Arrest Loan Modification Foreclosure Loan Servicing Insurance Taxes Assessments 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?