My mortgage loan is going to go up next November. I do not think I can refinance, how can I do a modification?

Sandra D asked: I just found out that the loan that I refinance two years ago is a “ARM” loan. I do not think that I can refinance, because of the mortgage crisis. I have never been late. Somebody sugested doing a “modification” how can I do that. Do I need a broker or can [...]