With interest rates the federal government so low that I can refinance with a low fixed rate credit is not so good?

I bought my first house my parents about 2 years ago. The loan at the time was 8%. The interest rate on the federal government so weak, it is possible to refinance your fixed rate loan at a lower interest rate credit is not so good. I have a couple of lates on my mortgage to expulsion at home this year, and accounts collection. Am I doomed?

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