Refinance with low 500 FICO and 90 days late... modification in process but too slow

Would like to find out if there is any chance of a refinance to consolidate car payments and mortgage. We have had several major hardships in the last couple years and while things have evened out, financially everything has just hit the bottom. We both work, both have low scores. There is around $55,000 equity in my house (house is 2 years old, rebuilt after original house burned down). I'm 90 days past due on my mortgage (the bank won't take partial catch up payments) and have a modification in process but waiting and waiting... and while I wait Ifall further behind! Been here 24 years, don't want to end up losing my home! Northern Michigan by northcountry57 from , . Jul 23rd 2011 Reply