I’m a self-employed and would like to be refinanced or get a loan modification on my mortgage.?

I’m a self-employed with a loan of 600k (6.9%) on a house value a 950k.
I’m making $ 13000 in average per month but Iit looks like I have a low income on my tax return after deductions.
Is there a way to refinance or get a loan modification ? I’ve been deny some few times because of my tax returns.

Thanks for your help.


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