I've been searching long and hard for a mortgage lender that can help me but have yet to find one that can. I have some old credit card / loan debt that is killing my credit score. Currently I am sub-600. My house appraises north of 350K. I owe 127K on the first mortgage, 20K on the 2nd. So i'm looking at a minimum of 200K in equity. I need approx. 50K to get completely out of debt not including the house. Does a lender exist that would lend to me with my terrible credit score? Also for background, i was in forbearance until Dec of 2021 and had a loan modification in June 2022. I am currently behind on my payments. Seems as if i'm sitting on tons of equity which would fix my problem but can't touch any of it. Any suggestions are appreciated. Thanks.