I wanted address a situation I am in hopefully somebody can give me the answer.. I was a homeowner about a year-ago but my roomates skipped out on me and my house went into foreclosure.. I found somebody to buy my spot while I continue making payments, only problem I have not been keeping track of payments I have paid him with Cash or Money Orders he said that after July Im on my own.. Is there anyways for me to get this refiananced under my name after July or do I need to buy it back from him.. Hoping to refinance because loan is $290,000.. While the house is worth $335,000.. I need help I just dont know where to turn because I dont want to loose my house..... I have 5 months to my get my act together..