ARM IO mortgage ending

For specific reasons my daughter is in the loan and me and my husband are on the deed for my townhouse with and ARM IO mortgage that ends next month, september. Also a 2nd line of credit that came at the same time of the mortgage w/interest. The townhouse is of course under water $100.000 aprox. My daughter got married moved out and bought 2 more houses and I am in one of the loans to help them qualify. We did not have good advice in all this and now we are all tide up. I would like to clear this mess and refinance my townhouse, I have proof that I am the one paying, not my daughter, What are my chances? I don't want to loose my house the mortgage is now double starting in Oct 1st. My credit score is not good because I have medical bills after breast cancer and also another kid on her last year of college (hopefully) helping with her expenses also.
HELP! any ideas?