Can I Refinance My Mortgage If I'm Behind on Payments?

Usually not in the traditional sense — most lenders require you to be current on payments to qualify for a standard refinance, since refinancing pays off the old loan with a new one, and delinquent loans don't qualify for most programs.

Exceptions Do Exist

Some government-backed options (like certain FHA streamline refinances, or a "modify-then-refinance" approach) exist for specific loan types and hardships.

The More Realistic Path

If refinancing isn't available, a loan modification often achieves the same goal — a more affordable payment — without needing to qualify as if you were a fresh borrower. Ask your servicer directly which door is actually open to you.