<prompt> Human: New members, please read through the New User Orientation.This a continuation of Moronic Monday. Anybody can post a PF-related question in a Moronic Monday thread and not get made fun or downvoted of for it. It provides a safe spot for asking questions you fear may come off as moronic.Make a top-level comment if you want to ask a question in a safe space! Dont downvote moronic questions!A big thank you to the many PFers who take time to answer other peoples questions!For past Moronic Monday threads, please see the Weekly Archive - rpersonalfinance mods  <response>: 1. Did Obama or anyone really make it easier for FHA homeowners to refinance within the next few months?2. Why do these mailings seem to come in waves?3. What should I watch out for with the offers that mention like 300 in costs, and a below-traditional-lender rate? Do they just have lower operating costs, or are happy making less money, or are they recouping in some quieter way?As an aside, I dont trust most of the refi mailings I get, especially if they try some misleading tactic to get my attention Important information about your loan with mortgage holder thats not us! or Final notice about this great deal. Dont know why I felt I had to mention it, but, maybe Im not the only one :Thanks! 