what is the best thing to do if you fall behind on mortgage payments and you will not be able to refinance?

no re-financing due InsolvenzArm loans and interest rates to 9.39% and every six months, or down to a certain extent.
Our current rate is 7.75% on $ 168,000 loan with lower interest rates, we want to explore refinancing. Are there any companies that do all the work for us? (This is where we work in the best possible financing.) If not, where do I start? I do not want to meet a ton of credit applications before me all the conditions of the loan. Thank you!

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