Is it possible?I bought a home in 2008 and was laid off in 2009.I am now on SSI making much less then when I bought the house.I now have a 4.5% loanIs there anyone that will refinance at a lower rate with a high debt ratio but not behind on anything? November 02 2013 - US00YesReport 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.