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Contact a mortgage broker and see if they can help you. Because they represent 15 or more lenders, they should be able to get you into a more affordable mortgage.

Plus, appraisals on refinances...

Did you try a mortgage broker? They have a number of lenders to pick from so they should be able to find a lender willing to refinance you.

As far as your in-laws -- they'd have to be willing to...

Hi Chris,

Credit cards are ** unsecured ** debt so credit card companies cannot put a lien on your house. All they can do is hound you with collection calls.

Do whatever you can before your...