if you want to refinance the house , in order to keep your real estate property, and at the same time have a low monthly mortgage, wen at the same time you have paid off your debt.
look into the Option arm, it is an excelent program for people who refinance every 3 to 5 years and want to put heir money to work for them , if you want further advice with your finances and real estate ,call a real estate & financial services firm they have great advice free of charge, fully licenced individuals in the securitys and real estate ,A mortgage broker that will not let you fall in the finansiall pit hole .Call this number (909)3733060 ask for Kederio hes helped alot of people in poor and very dificult financial situations,such as your self . youre better off asking a licenced expert than random individuals. you dont loose anything for expert advice, dont waste your time with other random answers. further questions email jackiegradilla @yahoo.com

I think you need to look into the reason of why you want to keep your house? I would say sell the damn thing, split the profit, keep your nest egg for retirement(you'll need it). Buy something more affordable for you. Pay with cash from the sell. No house payment, fewer worries.