I found out today that my refinance loan was approved!
The funny thing is; I was quite worried that the appraisal I had to have done would reflect a lower value for my house because of the repairs that were needed. What actually happened is that my home's value went UP 25% in the four years since I bought it.
I'm getting a new mortgage, with the same payments as before, the payments end at the same time as before, and I'm able get some money for some much-needed repairs and redecorations.