Please give some me either way, im close to a partition of the high payment please answer in Spanish or English

Regulated lenders require at least a 500 credit score. Below this, go to a so-called "hard money" lender. Depending on your situation, it may be better to consider selling. Are higher now than they have been, and if your credit score has dropped, which seems likely if you are close to foreclosure, you hardly get a rate as good as you had. One or the other, you've got to be able to make this payment and if you can not, refinancing to a negative amortization loan or something that will not really help, just give yourself time to dig himself deeper. A corollary to this question is how much capital should I use? The lower your credit score, the more equity you need for the bank to consider it an acceptable loan. The higher your equity, the more options you have.