NOT ON THE NOTE BUT I WANT TO TAKE OVER BY REFINANCING

[JD1264]

I was not able to qualify to purchase my home in 2005 (I was a foriegn national) so my uncle who I was living with qualified for the mortgage. We live together in what is now the family home but after 19 months in my uncle who was 66 years old suffered a heart attack and had to stop working, this occured before I was able to refinance the property into my name and take control of the mortgage. When the house was purchased I had $32,000 reserved but this got eaten up with repairs after hurricane Wilma because 'Citizen's' my Insurance company refused to pay for damages that we were insured against. After the help of a loss adjuster and three years later, they finally decided to pay something towards the repairs but by this time I had gone into my reserves to repair the roof and other damage to the home and I am still fighting them now for the balance due. I was still paying the mortgage on time and had no problems but at the end of 2007 the mortgage rose from 7.2% to 10.10% and on top of that I lost my job in 2008 but still maintained my self employed status. With no reserves I fell into default and wonder if there is any help out there for us. As well as being self employed, I am now working and would like to refinance the home into my name but can I do this under FHA?