We are in real need of financial assistance. We would refinance our home if we could find someone willing to do this for us. Our current interest rate is 11.49% which makes our payment so high that we have struggled to keep payments made. We are not bad people, just have had some really back things happen. Our home is now in foreclosure and our only car has broken down. Luckily, we have a friend who has loaned us their spare until we can get our repaired. We do have equity in our home so the property could be collateral for a refinance. If you know of any mortgage companies or grants or ANYTHING.... Thank you for any help you may be willing to give.