I need a mortgage modification or refinance badly without closing costs..any suggestions.?

hi guys... I was just wondering. I really need a refi badly without any closing costs.. any suggestions? I tried contacting my mortgage companies for a mortgage modification and both denied me. I resubmitted, now i'm just waiting to see what happens. I have a property i purchased at 100% financing for... show more hi guys...
I was just wondering.
I really need a refi badly without any closing costs.. any suggestions?
I tried contacting my mortgage companies for a mortgage modification and both denied me.

I resubmitted, now i'm just waiting to see what happens.
I have a property i purchased at 100% financing for 793k. 6.75 interest only on 635k and 13% interest on 158k.
i have pretty good credit, solid 680. should be nearly 20 points higher within another month or two..
Please let me know if you have any ideas that can help my situation.
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