If you have room on your credit card, you can use a service like to pay your mortgage with it. The purchase is not a cash advance, so if you have a good rate on your card, it will be fixed and possibly better than your adjustable.

Before you refinance again try credit repair… Improve your FICO score for a better rate….

Whether or not you personally can do any kind of refinance depends on your credit, income, and the value of the home.

If you’re asking if no or low closing cost mortgages exist? Absolutely. Typically the rates are a little bit higher, but honestly your rate is really high right now, it should still be significantly cheaper than 12.75 even with the bank paying the closing costs.
By the way check your Adjustable Rate Rider from your original mortgage. Odds are there are caps on how much and how often your rate will adjust. If you’re paying this loan off in the next few years it may not even be possible for it to adjust up to 18.75 that quickly.