Mortgage help only serious?

I need some serious advice. I do not want to end conflict with the mortgage. We have a loan option. (Expressions / payment) w / a variable rate and the 2 east-kicked ass. It would not be so bad if our 2nd flucuate not. I have to decide if we refinance again. we do not immediately available, fixed, and if we do that we die. will take $ 800 in light of paym’t because we are the car loan, to add it. but what other options we have. Our house is all jepardy NO. The only problem is that we are only a fraction of the interest paid in this manner. and it is not cool at all. Help me not be overestimated.

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