Due to the difference in the interest rates, my mortgage payment will probably be pretty similar to what I'm paying now. Around $1600. Which is also what a two bedroom apartment is going for per month.

I would like to keep my house, but I'm currently about 4-5 months behind on the mortgage payments. The house has $80k in equity according to Zillow (idk how accurate that is), but my mortgage company's app states a similar number.

This is my first house, so I'm not sure how everything works. If I were to refinance, my interest rate would double plus a little more. But if I refinance, I'll be able to put the house on the market and hopefully have enough time to sell the house rather than be forced into a short sale or a foreclosure (if I understand correctly). It's a private mortgage if that matters.

I'm assuming that whoever I try to refinance with will have access to my payment history, is that true or just me assuming? If it is true, what's the likelihood of another bank refinancing me if I intend to sell the house asap?

Not that this really matters, but I was doing fine until my company lost a few contracts and my hours got diminished. I went from 50-70 hours per week plus per diem to about 40-50 hours a week without per diem.