If you fell behind on your mortgage payments AFTER your adjustable-rate mortgage (ARM) went adjustable, you can refinance into a low, 30 year fixed rate mortgage.
Advantages of the FHA Secure Program
Refinance your adjustable rate mortgage (ARM) into a low, 30 yr. fixed rate mortgage
Even with late payments, you can get help
Save your home from foreclosure
Payoff your late payments and arrearages through the new loan