Variable interest rate mortgage?

My home mortgage fixed interest rate (5.75) expires next month, and there will be variable for the next 20 years. My house has no equity to refinance and be able to my bank (Wells Fargo) is asking me to deposit 20% (money I do not). I fear that my new floating rate my monthly payments more than I can afford you machen.Wenn, as you know, faced with this situation, please answer my question? I called several mortgage banks, and they ask me all the time by 20% after unten.Im my house worth about $ 240,000 and my mortgage is $ 265,000. What should I do? Thank you.

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