Before you try to get a poor credit mortgage loan there are quite a few thing to be learned before you do so. If you are in a case where you are making good on payments towards the home then you will be in the problem of four closures because of this lack of payment pertaining to the home.
You may possible have a bad credit rating so therefore you will need a bad credit mortgage loan on your side. With a poor credit score you will not get a bad credit mortgage loan so easily but if in dyer need for a loan then this information will be very vital in your quest. To try and find a lender to provide the necessary loan needed most people do a search on the internet, but going to your current lender for help is a much better thing to do. Because these people are your current lenders they will try there best to work with you to solve your particular problems. And only they can fully understand your situation as they have the files with them already.
So the best person to help you plan for refinancing your mortgage is your current lender, to deal with them will be more beneficial for you and they might even have the right plan waiting for you. No matter which way you decide to go you will have to make the correct calculations to do so. Make sure that the new loan does not exceed the old loan you are paying.