My husband and I would like to get our percentage rate on our mortgage, 7.6%, reduced. Our mortgage company is Wachovia and we have been with them for the last year. Before we were with Wachovia, we were with World Savings with an adjustable rate mortgage that would have killed us. We got out of that mortgage and refinanced with Wachovia. Since we've done so many refinances, the equity we have in our home is next to nothing. What do you recommend that we do?