i have bad credit, I am behind 2 months in my mortgage,

[sxivy1]

but need to refinance. Where can I call?

[alphabetsoup]

I am pretty sure you have to be current on your payments. Maybe you could get a short term high interest loan to catch up and then pay it off as soon as the re-financing is done. I hate the damn things, but this may be one of the times a payday loan could work.

[dgillia5]

Until you current not bank will let you re-fi, perhaps you should sell your car (if you have a car note) or get a second job before trying to RE-FI, whit no-so hot credit you interest rate will be very high.

[Tina R]

To piggy back off the previous persons answer... if you do get a payday loan, get one from mycashnow.com.I got one just yesterday.I can't remember the first place I tried (I wish I did so I could warn people)... those people gave my work number to countless "lenders" and my phone at work is ringing off the hook (not good).Mycashnow.com didn't give us all that sh!t and their fee was cheap ($50 for a $500 loan).That's my 2 cents.