Revolving home equity loan

What can one do?. Interest rate is at 14.99%, no equity in home. Mortgage is under water; no one will refinance and personal loan interest rates are just as high. Loan modification denied income in excess of expenses and not behind in payments. HFC IS MEAN AND SURLY!

Credit Scores 690.

Terry Says: I asked my mortgage consultant, Leslie Struthers at GuaranteedRate.com, and she says something in this story does not add up.  If you have a credit score of 690, you should be able to refi — Suggest you contact her:  Leslie@GuaranteedRate.com.