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Help! Trying to refi, one 30 day late on my mortgage in past year!

Hi, I am trying to refi I have a 5.875 interest only loan from many years ago. I am trying to refi but unfortunately have one 30 day late on my credit two month ago on the loan. I was trying to get assistance from saveyourhome california and was late, they turned me down after all. I have tried two places who say they cant refi with any lates in the past year. I have read on these forums that it still might go through underwriting though possibly. My credit score median about 670. Can any broker/loan agent help? Also would the 30 day late also exclude me from buying in the next year as well?

thanks!
alex
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June 13 2013 - Richmond
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670 score is definitely NOT an issue  with obtaining a loan ( refi or new loan )  if all else  is OK
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June 13 2013
 
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