mortgage refinancing? Is a subprime (8.25% and 12.75%) 80/20 mortgage is refinanced with success?

This was done with unreported income, credit rating of the 635th The owner was at home 3 years, ARM has an adjustment within a year and is down on the loan is not loan.This Freddie Mac, Fannie Mae or HUD, and shave all payments on time. States lender that they can not do anything for her, she is not behind on payments for new government programs qualifizieren.Welche options? House was purchased for 250 K is now worth an estimated 200K

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