Having trouble refinancing.I am self-employed so no W2 this past year. I have talked to some lenders but they said nothing can be done since my credit score 678.Loan balance: 681kmonthly payment: 4195interest rate: 5.75last refinanced: April 2010, int rate went from 7% to 5.75% harp program which is why I no longer qualify for harp.home value: 1.2mShould I just wait until my company turns around so I can take a w2? I am assuming in a 3-5 years.January 08 2014 - Los Angeles00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.