FHA refinance pulling cash out, one late payment by 32 days due to new lenders error - Am I screwed?

I'll try to make this brief but as detailed as possible. We have been trying to refinance our home to remove my parents from the loan and pull out cash for the past 3 months. The lender we have been working with has made "oops" after "oops". They even admit to it being their fault. The most recent one that I fear could be the most damaging is they told us NOT to pay our August mortgage because it was going to be included in our closing. The closing got delayed because of our loan processer being fired which rolled us over into a late payment. We found out on the 1st in the evening that we needed to have a VOM done on the existing mortgage (which by the way is part of the same company that we are refinancing with) and that we needed to have a clear 12 months of payments. Well CRAP! I immediately called the mortgage company and paid with an agent. My question is, are we screwed now? Is there anyway we can get this loan approved? I have a credit score of 630 so we can't qualify for a conventional un fortunately.

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