My realtor says something is wrong with this,the loan. We have gotten very little money for the amout of the loan.We have our place for sell for 2 years.We will have to come up with a ballon payment by next month.We have ref.2 times now, and we do not know what to do. Both of are unemployed and have been for the last year. Even when the last refin. Took place please help.

You knew the balloon payment was in the refinanced loan. There is nothing you can do at this point to save your property if you cannot come up with the balloon payment amount. Balloon payment type loans are extremely risky for anyone except for the one holding the loan. Whoever conned you into a balloon payment loan needs to be run out of business.

Yes, put the house on the market very fast and try to sell it, but unless you can come up with either another refi or the money you will lose the hosue.