I'm looking to refinance, but my credit isn't so good.I bought my house 2 years ago for $185 (it's now worth around $148K....the amount I borrowed to buy it.)Loan is a 30-year fixed at 8 5/8%, and it takes about 75% of my take home pay each month. (I am single with one income, and my employer is coming out of Chapter 11.)Must I stay in this mortgage...or is there some way I can refinance it (NO ARM's!!) without getting screwed?June 02 2009 - Riverview00YesReport 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.