Many banks will refinance a mortgage but it depends on your credit record and the equity in the property. It would be impossible to provide a list of banks. You need to shop around in your area to...
They make money on the fees for refinancing and also by taking business away from other banks when consumers change banks. Refinancing specials allow banks to acquire new customers.
It is a security agreement used as eveidence of debt secured by real property and a promise to repay the debt at certain terms agreed to by both the lender and borrower.
You have to go to the bank that has the loan on your house. They will have you fill out a bunch of paperwork. After that they will refinance your house.