I want to try to refinance my mortgage to try to lower my monthly payments but my LTV is questionable and I have no money to add. In addition, I have been gainfully employed for the last 5 years but for 4 years prior to that I was unemployed/underemployed and defaulted on a lot of credit card debt. Basically my credit is crap. I want to try to find out, if I approach my lender to refinance and they deny me, am I endangering my current mortgage? I am struggling to make the payments but I am not behind in my payments and I make too much for the government programs. I am just trying to get a little breathing room in my monthly payments.Thanks.