No option is ridiculous when dealing with saving home from foreclosure. The first place to request assistance from is the original lender that approved the mortgage loan. There’s a history between the borrower and the lender that can influence the outcome of an application for a loan modification (changes made to the original loan) or refinance (original loan paid in full; new one with better terms drawn up). However, if that history isn’t so wonderful, it may be wise to look elsewhere for help.