Talking About Refinancing that More Attractive

Some opinions that I found below may be used as a discussion about refinancing today.

• It would be nice to re-finance our home on our own land with attached garage and a 484 sq. ft. den built on. But now no one wants to talk to us because this is a MFD. home. WE also have a lot of equity even with the bad market these days. No sense answering ads for deals.
• We've never been late on a single payment, but my wife lost her teaching job and hasn't been able to find a new one. We can just afford our bills on my salary, but the bank says we don't make enough, and are a risk to refinance. We've never missed a bill. How could we be riskier with lower monthly payments?
• Sorry but why should I pay 8-10k just for the bank to go into the computer and readjust numbers.All this nonsense about title searches, etc is #$%$ All that was done when you bought the house.
• Yeah, that's it keep refinancing...that's the solution. I know of a couple who purchased a home in 1990 and financed $99,000. Now, 22 years later, they just refinanced AGAIN in 2009 for a total of $127,000. In 22 years, they've managed to increase their debt by 30 grand. What's funny is these same people travel all the time, own time shares in Hawaii, spend like there is no tomorrow....and complain about how they can't get ahead and can't afford to retire. Complain when somebody else manages to contribute more to a retirement plan, or pay off their house. Complain that the government isn't doing enough to help people and that only the rich keep getting richer. Simply an example of lack of planning and responsibility.
• I gave up trying to refinance. The only people I know who are successful at this are the wealthy people who do it for the lower rate and the person who stops making their mortgage payment, especially if they are an illegal alien. Yes, I am a bit bitter about it.