how to get government housing aid?

checking the government affordable housing program,my friend is qualified to refinance his house, the bank representative told him,he could not because he does not have enough income and credit score to get refinance.(his mortgage payment is $ 1600,his credit middle score is 612,is income is $ 2000,/month),his payment is up to date now.he wants to keep his house.
is he qualified to get loan modification if he has late payment?what is the best choice?
thank you for your help

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