Mortgage advice.

[R B Garr]

16. You could try posting this at the CreditKarma site. They send you offers

for possible credit opportunities based on the content of your post (I don't know if that is how to explain it). There are threads there about mortgage advice, although like any other internet advice, you can't take it all as fact. But you can read through many threads and see some basic comments and see if that rings true to your situation *.

I don't post there, but I did sign up for a free credit score, and they analyze your debt and serve up ads accordingly.

Also try any credit unions, as they sometimes have good programs. Good luck! Something will probably work out to get you through, and maybe you can refinance again in few years after you get it bundled. Also, call around for realtors, for instance, one of our credit unions has a realty program where they give you a discount on a realtor's commission if you use their service. The realtor's should have some inside info into credit products to match your needs.

*edit-for instance, many posters were saying that their lender told them not to make payments while they were going through a loan modification, but they still reported them late and screwed up their credit. Many people said that, so it seemed credible.