Am I out of luck? I received bad advice by a financial counseling firm who told me to stop making pmortgage payments for three months while they negotiated a loan modification. Now my FICO score is poor. Can I get anyone to refinance my loan. I'd be willing to put 20% down,August 14 2010 - Palm Desert00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.