Can you refie when your behind on payments?

I don't know where you are, but most people who refinance, are behind in payments and seek to refinance to combine all the debt, including arrears, and then have one affordable payment.

It is always in your best interests to refinance if things are unmanageable, and saves a lot of grief in the long run with creditors having to chase you.

Good luck.

You can refi as long as you find a lender willing to do it. Your entire credit situation comes into review