Our home mortgage has been underwater since 2008. We 've tried refinancing to be turned down due to not having a special hardship. We 've struggled over the years but this year due to a $ XXXX monthly increase is the hardest. Our home appraised at XXXX according to Wells Fargo. Our mortgage is {$250000.00}. We just want a more reasonable monthly payment but have been turned down several times. Does not matter to the institutions if it 's underwater or not. My husband is XXXX yrs away from retirement. I am on ssn now. We do not want to move at this late in our lives plus we ca n't afford a down payment or qualify for a new loan. Could you help us or guide us to who could. Thank you. XXXX & XXXX XXXX 
