The rates are a little high right now for mortgages, but I am moving and really want to buy a house rather than rent an apartment. I am so tired of renting and not being able to change anything. I was thinking that as long as I got a mortgage without a prepayment penalty I could refinance when the rates went down, so I wouldn’t have to necessarily pay the high interest rates forever. I could contact the mortgage services company anytime to see about refinancing. Is it hard to get a mortgage without a prepayment penalty? I know refinancing is like paying off the first loan with a new one.