Mortgage Loan Question in 2003 we refiniance to cover the back taxes we owed on our house.?

Our new loan is in my Husband’s name because he had better scores then me. Our interest rate started out at 10% and now it is going to 14% next month. Our Lender says that they can not refinance at a lower rate becasue we don’t have enough equity in our home. Our payments are going to $ 2900 a month on a Home that is not worth that amount. We had our home on the market for
5 months and it did not sell because it was priced to high so we could pay off the loan. Our lender will not agree to take less to payoff the loan so we are going to be forced to go to foreclosure. If the loan is in my husband ‘s name will I be able to get a loan in my name?

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