If you have a FHA backed mortgage there are a lot of people out there convinced you can save hundreds if not thousands of dollars a year if you just call them.You know this from the small forest they have cleared sending you multiple offers to refinance your loan each week.And while it is true the Department of Housing and Urban Development on Jan. 7 lowered the mortgage insurance premium from 1.354 percent to 0.85 percent it only applies to loans that have a lifetime mortgage insurance premium tied to them that was a condition on all new FHA loans made starting in July 2013.But that doesn’t mean you can’t save money now if you have a FHA loan. It is foolish, however, to bite at a mail offer or even an email blast given almost all of the time they are interested in selling you just one option.It is why brick and mortar loan officers such as Deborah Romero of Ripon-based Ability Mortgage exist.They will sit down with you and explore all of your options and ask questions to make sure you make the absolutely best move you can. And they do that at no charge.In the past year, I know of three people who first went with the companies that fish via snail mail and email with offers to lower mortgage payment to snag clients.In all three cases they took the bait.