any places that offer mortgage assistance when you're behind?

If you are serious, you are delusional. Your bills are YOUR problem. When you can't pay the mortgage, the house is foreclosed on and you are evicted. I suggest you get a second job and keep the payments current. If you have to rent a room, do it. Whatever you have to do. You also might consider selling the house and buying a smaller one - one you can afford.

You mean you want someone to pay your mortgage for you? Good luck with that.

Private charities?

None that I am aware of.

Why can't you refinance your mortgage?

No, there are no programs like that. If you can't afford your house, consider selling it.

The best place to go is to your mortgage lender and make an aggreement to catch up with what you owe so you don't get further behind, otherwise you will end up with them forclosusing on your house and losing lots of money

chuches, but god helps those that help themselves

what do you expect them to do, give you a pile of money? forgive all the late payments? sorry hon, the mortgage companies want their money. so you need to refi and get a lower mortgage payment that you can pay.