Hi - we got into a loan about four years ago, and it has since changed to adjustable. The payments are so high that we can barely keep up with them. I know this is pretty common these days, but what are people doing to get out of this situation? We will no longer qualify for a conforming loan, because we have gotten behind on credit card payments and our scores are down in the low 600's. I've read that FHA goes down to a 620 score, can I refi my home using an FHA loan, if the loan we are refinancing was not FHA?