For the shy person who does not know where to get started in either trying to purchase a home or refinancing existing debt, have no fear. Millions of people have done it and you're probably smarter and braver than many of them. The learning curve for financing and refinancing is what you make of it. If you want to become expert, you'll have to work at it. If you just want to get a loan and move on, that is quite easily done. If you want to learn enough to make a smart decision and potentially save a lot of time and barrel full of money, a good place to start is with the book offered on this web site Understanding Residential Real Estate Finance. It is inexpensive on Amazon and takes no time at all to read. A site I like for detailed and accurate residential real estate information is foreclosure.com. If you have specific question about a loan program or some information your lender gave you, feel free to ask it here. I've seen a lot in my mortgage banking career and probably have the information you are looking for.