
I have a 573 credit score and the payments are too high. I want to refinance but its hard to do so. Does anyone know a company that will work with me with my credit?

I have a 573 credit score and the payments are too high. I want to refinance but its hard to do so. Does anyone know a company that will work with me with my credit?
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I make around 40k. My credit score is around 700. I have a car loan 203, student loans 152. I have credit cards but do not owe anything on them. My boyfriend makes around 20k. His credit score is probably somewhere between 600-700. He has a car loan 305, credit cards he owes about 3200. Not sure on the monthly credit card payments for him. Is it possibly to get a home loan between the two of us?
Hubby has a repo of his car from 2002 on his credit report. he never paid what he owed…
We were applying for a home loan yesturday and the loan specialist said that we cannot get a loan without paying the deficiency off.
Is that right?? It seems to be impossible for me to be able to get a house lately..