Barb Lanis (BarbLanis)
#1 ranked lender in Illinois - 619 contributions
You will not likely be able to refinance with anyone other than your existing servicer. You may also want to look into a loan modification instead since you are having trouble making your payments. A loan modification is a little more challenging, but as long as you follow your lender's checklist of necessary documents to the letter, you may have success. Obtaining a loan modification will be entirely up to you, the servicer will not be guiding you. Be prepared for that.