personal home Need loan.. no job!

[Scott R.]

OK so i lost my job but purchased my home (suppose to be investment but forced to move from a death)with a line of credit from my step dads place because we were going to cashflow off it but i ended up moving there. the problem is the line of credit is at 17 years only about 4% interest (but is adjustable and i feel interest rates will be moving up fast when they do.) so my paymeny with HOA (condo) is $750/mo. I want to get a 30 yr fixed to drop the payment and it should come out around $550/mo PITI and HOA.

my problem is the HELOC, and i lost my job so i cant just go get a loan. My credit isn't over a 700 last time i checked. My mother and step father think they can just co-sign but i dont think it matters because the bank doesnt count unemployment as income half the time.

They want me on the title ( we paid cash since we used the HELOC so we have the deed, just need to rebuy the house i guess from ourselves.) so i can benifit from the tax stuff which is fine but i think they are going to have to have a loan and just attach me to it right?