<prompt> Human: Family 131,500 in household income. Credit rating 783 and 754. Five debts; home 136,000 at 6.8, two new cars 37,000 total at 3, one credit card 7000 at 0 home improvements with payoff schedule 18 months no interest. We refinanced the house once to payoff repairs, so the balance went back up.Six assets; home 160,000, car one 22,000, car two 20,000, car three 6,000 kid, cash savings 13,000, 5 of income into retirement accounts we pretend dont exist so they are never touched. Weve been in the home for years, the value dropped after purchase and never recovered. Meanwhile weve poured funds into extensive repairs, its old and has poor drainage damage. We wanted to refinance the house again as our most expensive debt, and the rate was quoted at 7.3. Other than the cars debt and value seem to be decline at the same rate currently for our long daily commutes no public transportation available, I dont see why we are getting hit with such high mortgage rates - what are we doing wrong? I wont leverage retirement or savings on the house, feels risky. We could move toward the city get higher milage cars, but home values closer to work skyrocket, our house would be 3000,000 there. A new house MIGHT the devil you know versus the devil you dont eliminate the huge repairs we seem to face so we could put those funds toward the balance, but again a new house would cost more.OK Ive mentally prepared myself for you guys to chew me out for not paying balances down faster. Before you get too worked up, there are lifelong medical conditions involved, and a lot of our money goes into medical maintenance. This doesnt show on a credit report, and we still get raked over the coals on interest rates.  <response>: At your income, and your mortgage debt, you should be crushing it right now.Your 6.8 is very high. The 30 year rate is hovering around 4.2. How are you determining your credit scores? You guys should be able to qualify for something under 5 pretty easily unless youre not telling the entire truth here.Have you called around to multiple banks to get good faith estimates towards a refinance? If so, what are they quoting you at?Are you paying PMI right now? If not, you might have to start if your house appraises low and you refinance. 