How do I qualify for an FHA home refinace loan if am 30 days?

behind on a mortgage payment?
I am making the payments.
I am eleigible for an FHA but will I be turned down,even if I am in a repayment plan with my lender.
The current lender claims they already reported the late payment.
I am in a catch 22 ,the refinancing will lower my interest and payments
If I am30 days late on a payment,
Am I eligible for any type of mortgage
refinacing.

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