kingyao,
Most of the reason folks cant re-finance now, even with good credit and pyment history-is the loan to value ratio of the home...hardly any are worth their appraised value from back during the boom.
You can however attempt a modification- the first step to take is to write a hardship letter to the serviser: Example and explanation here:
Examples of a Hardship Letter
By reading the other scenarios and explanations on the home page of Loansafe, you will get a good grasp of the process and what is needed.
Glad you foundsd the forum and thans for posting.
Hang in there and good luck! Let us know how it goes and if you have any questions!