Will Freemont refi us at a lower rate, I need some time

all i wanted back in 2006 when i refinance my home was to get some moneys to replace my roof, gutters and other repairs to my home. the repairs were not done because the builder took off with my money and filed bankruptcy, now i am loosing my home because i cannot afford the hight payment, my wife been unemployed for over 1 year now and i have no road jobs or overtime because my employer has cut back i do not know what to do, i do not want to lose my home because we work very hard all our life, my wife sometimes working up to four jobs to save up to buy a home please hel me by reducing my payment to were i could be able to afford it i can only pay $1500.00 per month,please help me i am a 57 year old man and is no way we would be able to buy another home because our credit is shot, we are over a year past due on our mtg payment please help i am willing to do what ever we can to save our home please help me, please
i never begg for any thing we have always worked but this time i have to begg because i do not want to lose my home and only if you help me i would be able to save my home
please for God sake help me.

whom should i contact in the case of refinancing under the fha refinance of borrower in negative equity positions. my mortgage was with fremont investment and the servicing was transfered to SLS back on july of 2009. I contacted SLS they said i need to talk to fremont. I contacted fremont they said i need to talk to SLS. please
help.

thanks.
A. Anderson