can I refinance if Im 2 months behind on my mortgage?

You will not likely be able to refinance with anyone other than your existing servicer. You may also want to look into a loan modification instead since you are having trouble making your payments. A loan modification is a little more challenging, but as long as you follow your lender's checklist of necessary documents to the letter, you may have success. Obtaining a loan modification will be entirely up to you, the servicer will not be guiding you. Be prepared for that.

At worst you should have no more than 1 payment no more than 59 days late within the 6 - 12 months prior to applying for a mortgage. Other factors, such as your credit score, will also be a factor for approval.

Very difficult.

Not possible with any reasonable terms.

No, you need to bring loan up to date. Once up to date you can obtain a FHA refinance with no nore than 1 x 60 in last 12 months. Good Luck.

Most lendres would require you to be current at the very least

most lenders will require you to be current on your mortgage.

Trying a loan modification is a good idea. You can try it on your own or thru an organization like naca.If you're looking for a short term fix and have good equity, you might try a private loan. If you can find one, it will be more expensive than a conventional loan.Good luck.