How can I get refinanced?

i live in a double-wide 2006 se manufactured home on two acres that i own. land and home are valued @ 92,000 and i owe vanderbilt mortgage 85,000. i am on an arm 20 year. my payments run $950 a mo. i think its @8.9%. i want to refinance @ 30 year fixed to lower my monthly payments and avoid foreclosure. my job is secure (as can be expected) and annual income is $30,000. i want land loan refinance. i have fair credit, 575 beacon. i am finding no one who can help me. my lender offers to extend loan back to original 20 year length, but since it is only 2.5 year old note, it only saves me $40 a mo. i should have taken the 30 year loan they offered when i bought the home, but now they won't extend it. what can i possibly do? i have three little kids and the budget is tight. i took the 20 year loan to try to pay it off faster, and now i feel like i tried to do it the right way, can't afford it now and no one will help. i all want is what they were trying to get me to do at the time! a 30 year note. my $950.00 a mo. payment would be, what, $630.00? ouch. help. please.