What lender(s) is a good bet for re-fi in our situation?

I am kinda jittery right now because I just got a letter from our lender saying that our adjustable rate mortgage would be adjusting in 3 months. There were caps--the new payments would have no caps. Deferred Interest might be added to the payment. I've been trying to get this situation corrected for some time. We applied for a refi in June and here it is August & still nothing done. Apparently our obstacles are that there is a low balance on the house--around $10,000 & 5 years ago my husband took out bankruptcy. My credit score is 725 & his is 640. When you average our 2 scores that comes out to 682.5--which puts us in a "good" range. Unless something weird happens--like when our mail was not getting delivered & we didn't get some of our bills--he is our very responsible bill payer. Almost always pays on time or a bit early. We did have the above situation in the last year with a mortgage payment--a bill didn't get delivered & got missed when he paid them. It was late. I was working on removing an entry my husband's report that appeared as if there could be $60,000 in dispute from an old car loan when the re-fi loan application was deactivated. I looked & looked to find someone who could address an old loan that wasn't in GMAC's database & then still had to get it changed with the credit bureau when I got documentation--so it took several weeks. The re-fi still hasn't been reactivated since when the lender got ready to do it, my husband's score had dropped. Then we had to make another change to his report. Still waiting for a re-score. The house is worth $64,000, but what I wanted to do was consolidate some debt on high interest credit cards into the loan and push the balance up to $35,000--that's what this current ap for an FHA loan does. I've been assuming that we could keep working with this ap & get it completed because apparently our credit is close to a cut off the lender has. We got into a deep hole of debt when my husband was paying lots of child support, college tuition, divorce attorney's fees, insurance for child, etc, etc. and have recently been paying off debt slowly, so our credit scores have been inching up. BUT with this 3 month deadline on mortgage payments, I am feeling like maybe I just need to scratch this current application and look for another lender who WILL lend in the case of the 5 year old bankruptcy & one person with some credit dings. And will re-fi a small balance. In the past, I looked for a lender who would do those things & came up with nothing--which also put too many inquiries on my credit report!! Do you think I should be talking with other lenders & who would be the best to ask? If so, how can I avoid dropping my score when I do? :?: