Missed Mortgage Payment

[Mike]

I have missed 3 payments as there were some medical bills need to be paid. I have 2 loans and the house value is nearly 15-20% lower than when i bought. Today i got call from home services that if i do not make 1 payment by today it will be in breach. I can make 1 payment however i want to keep the house only a) if i can refinance my house for current value b) 30 year fixed. My loans are interest only will reset next year. How do i get 30 year fixed on reduced principal (current value). what happens after breach?