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EVAN
This is in no way an attack on your person, I am speaking only in terms of your credit and how the finance industry sees you.
I assume you mean that Irwin will not refinance. You shouldn’t expect them to, you are high risk, because of bankruptcy and foreclosure (whatever you did to stop them, it still went into foreclosure) they just have to wait and foreclose again. You will have to get financing elsewhere to pay them off, but it won’t be easy, your credit gives you no leverage, the equity in your home does not help, because they are not in the business of foreclosing on homes, and you have a history of not paying. Once you breach your contract, they can demand the total amount owed on the loan, or foreclose again.