I need to refinance but have bad credit(538) is there any help availableI currently owe 138,000 and the home is valued at 185,000. My current mortgage is a pledge share account. Meaning that there is 100 k in stocks as collateral holding the note.June 04 2012 - Austin00YesReport 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.