Refinance a house with bad credit?

I've owned a house for 3 years. Towards mid last year, i had financial trouble(Layoffs) and managed to get 6 30 day late payments and 1 60 day late payment. In addition, my lender increased my rate since my adjustable expiration date was just about the same time. Now i'm back to current but my mortgage... show more I've owned a house for 3 years. Towards mid last year, i had financial trouble(Layoffs) and managed to get 6 30 day late payments and 1 60 day late payment. In addition, my lender increased my rate since my adjustable expiration date was just about the same time. Now i'm back to current but my mortgage payment is up by over 1000.00. It's a strain. I tried to refi late last and was denied. Since i'm current, what should i do? I'm seriously thinking of selling the damn house.
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