Mortgage company will not let me refiance my ARM loan thats underwater.A prior complaint was filed Report # XXXX. I contacted Consumer Finance today to follow up on the status of my case. the response my mortgage company ASC sent, was for me to contact them for Refi.I called ASC and spoke with XXXX the Mortgage consultant,. He stated that my house must appraise for at least {$78000.00}. My house is only worth $ XXXX.This is a no win situation. The bottom line is I already owe this company XXXX. I am trying to establish a way to pay off my obligation with them. In XXXX 2015, which is only 6 weeks away my rates will be increase again..What can I do here? What laws are there to protect me, the customer? I am asking for help, to be saved from being a predatory victim. I am faxing ConsumerFinance the responding letters I received from ASC, all three leters stated they are reviewing & research .I think a fair resolution would be, for the company to work with me with the XXXX I presently owe and put me into a fixed, current rate mortgate, So I can possibly pay off my home before retirement. 
