<human>: Long story short, several years ago I was living on the other side of the planet working a professional job.  My mother fell ill and I came to be with her with the hopes that she would recover.  She never did, and shortly died thereafter.  I inherited her house and some other modest assets.  I also received a small pension based on some provision in her retirement contract that as her sole beneficiary I receive for life.  It's about $800.  So the house has a market value of about $170,000 and there is an existing lien on the estate for $32,000.  During the past 2 years I went to graduate school and haven't had any income and have collected an unsustainable amount of credit card debt.  I finished graduate school and now believe I should have a job within the next few months.  I want to borrow 60000 to pay off credit debt and get the lien off of the estate and in my own name.

Can you give me the gist of the text in a nutshell?
<bot>: With my lack of recent income, can I refinance a house worth 170,000 for 60,000 with much problem?