For two years, Ideal Mortgage Bankers Ltd. has been using television infomercials and a toll-free number to market fixed-rate Federal Housing Administration refinancings as a way for homeowners to escape escalating adjustable-rate mortgage payments.

Now the Melville, N.Y., lender, which uses the brand name Lend America, is trying to reach troubled borrowers another way: through the holders of their current mortgages, who also worry about resets and want the loans refinanced.

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