My husband hasn’t been able to work for quite some time because of cancer and we called the bank about refinancing. They turned us down because he didn’t have a job. Our payments would have been quite a bit lower, but that didn’t seem to matter.
We have been working with the bank on our mortgage for quite some time. At first, we were paying interest only, but when even that was too much, we worked it out to give them a little money each month. They seem like they genuinely want to work with us on not foreclose.