Hi, I'm Jim Palmer. Thinking about refinancing your home? Even if you've been late on some payments in the past, you can still refinance your first mortgage and get today's low rates at the Money Store. Because the Money Store looks at your total credit picture. They won't automatically disqualify you for some late payments. And you can apply by phone with no application fee. So even if you've been late on some payments, you can still refinance your first mortgage. Call the Money Store at 1-800-LOAN-YES. That's 1-800-LOAN-YES.