Refinance Loan I need to reduce my mortgage payment?

I need to know the best mortgage company that will give me a good deal to refinance my mortgage TO FIXED RATE because my adjustable rate has been increased. also i don’t have any money for closing cost so i will need a mortgage company that is zero closing cost or they will add the closing cost to the life of the loan, i need this help today.Thanks
MY CREDIT SCORE IS 651, THE HOUSE WORTH 235,000 BUT I BOUGHT 210000 IN DEC 2006.

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