Certain lenders and programs allow you to refinance if you’ve had a late mortgage payment. But you may have to do some searching. Question: Is there any way to refinance if we had a late payment on our mortgage six months ago? So far no one will approve us until a year has gone by with no late payments.
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If you have a timely mortgage payment history with the higher mortgage payment, lenders assume you will be able to easily afford the mortgage with the lower payment. This is why a 12-month timely history is important. But, the rules are lenient. The VA does allow you to have one 30-day late payment within the last 12 months and still qualify.
The mortgage company reported my account as late for October, November and December. I did not realize that this would happen. Is this what is generally done? I am now getting a divorce and would like to purchase the house by refinancing the mortgage, but with these late payments I will probably not be able to.
8 minute read There’s an easy way to lower your monthly mortgage payment, just refinance your loan. But, if you have bad credit, refinancing your mortgage may not be an option. So how do you lower your mortgage payment without refinancing? Well you have to get creative. In this article were going to explore all the ways you [.]
Refinance With Late Mortgage Payments – We are most popular loan refinancing company. We can help you to save your money and time when refinancing your mortgage or buying a home.
Learn why you don’t actually skip a mortgage payment when refinancing your mortgage loan. Ever been told that if you refinance you can skip a mortgage payment? Learn why you don’t actually skip a mortgage payment when refinancing your mortgage loan.. it’s not technically late until the 15th.
Refinancing with Late Mortgage Payments on Credit Report – How Bad is a Late Mortgage Payment for my Credit? By Gina Pogol Mortgage Credit problems columnist. jim asks: dear Gina, I was planning to refinance my home but paid my mortgage late last month.
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