How can I get my home refinanced even though I'm in credit counseling for a few bills?

I need to get my home refinanced. Credit counseling is on my credit report. I had no idea before I got into credit counseling that it would make my credit look bad(I still pay my bills on time as usual). Even though the credit counseling is there, how can do I go about getting my [...] http://bit.ly/lbMoRm