Need a loan officer

Here is the deal... Got a friend that has a 360000.00 mortgage when the loan started the mortgage was like 1500 per month which was not a problem. Now its like 3000 and its going up again in November... They are the same as most typical homebuyers faced with this issue rolling lates and bad credit because they were robbing Peter to pay Paul. They really need to refinance for a lower fixed rate but the only problem is the credit scores. Who  will help my friends?