Ask Tim Tim Lucas (NMLS#118763) has been in the mortgage industry for more than 11 years as a loan originator and mortgage processor. He’s answered just about every kind of mortgage question over the years. I’ve gotten pre-qualified for a mortgage, but haven’t found a home yet. Should I be concerned with interest rate fluctuations? I’m having trouble making my payments. I’ve heard that if I stop making payments, I can get help from my current lender. Is that a good idea? How do I refinance if I have a second mortgage?