Refinance Primary Residence

[Brenda Whittaker]

Can someone help?  I am searching for a new loan, I must refinance my primary home to get out of a horrible interest rate.  I have good credit and no debt except for this mortgage but get turned down for low income. I am not a bad risk. I rent rooms out of my house but lenders wont take that income into account.  I have a free and clear rental and a disability income as well.  Is there anyone out there that knows of a stated income refinance opportunity?  After 20 years I haven't even paid down the principle.  Its devastating.