Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

VA mortgage Loan modification,collection,foreclosure California

Hurt on job -/-/-. Fired -/-/- ( Performance ) Never been in trouble. Collecting workmanship comp. After 7 months of NO PAY. Flagstar is the Lender on a VA HOME Loan. In the process of rectifying issue. Need to Refinance lower interest rate. Always Way too High. - never explains anything to me. I paid 6 moths of low payments NEVER late!! Bad credit report and they never even gave me options. I have equity in my home. Should I not be aware of my choices? I receive money and pay them whatever they say, Ive never been in such a place. Im a hard working veteran WHO got hurt was fired and having - soon. Can someone help me and explain it all to me? Can I call another lender? Am I allowed to use whomever I want?