(Read the full post about ‘Mortgage Refinance Bad Credit Loan By Uchenna Ani-okoye’…)The fact is millions of Americans with bad credit; refinance their home mortgage loans every year, using sub prime mortgage refinance loans. This is also perhaps why mortgage brokers charge high for closing fees. A percentage of the closing fee you pay on a mortgage goes to the mortgage broker's personal funds. This, along with a few more fees, stands as their salary.