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Are their programs to help us refinance while retired and on SSDI?

We have been living here for over thirty years. Our mortgage and utility bills are so high it's impossible for us to make ends meet. We can't sell because our house needs some work which we can't afford to do. Our interest is 7.25 and our monthly payment keeps going up. Our monthly payment is 930.00 and our electric bill budget is over 500.00 per month. We really need some help if any is available. Thanks!

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