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I need to refinance house Multi Family.

Quick Overview:I need to refinance house,I missed almost 7 payments last year because of cut in  income and tried modifying loan but lender was not interested to modify and my lawyer told me to hold on to pay them until loan modification but that didn't help.But luckily 2nd loan was settled in 10k. Then last year in December i found a great high paying job and made payment of 7 missed payments and It has been almost a year i am current,If someone can help me if i can refinance current loan. Loan amount is 467k and i am willing to put down 80-100k.
Thanks and i would appreciate a professional input.
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September 20 2013 - Yonkers
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Visit with a local Bank and go over the units financials with them. 
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November 28 2013
It looks like you may have made 12 months of timely payments by now. We help many customers in new york with multi unit properties with our portfolio conventional and government loans. How many units is your home? Please contact me via my profile to discuss.
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November 28 2013
It depends on the current lender your loan is  held with. If we prepare a letter stating the reason why you were late and what has since changed I may be able to help. Feel free to contact me through my profile for a no cost, no obligation rate and fee estimate. If the numbers work, great. If not, at least you know exactly where you stand.
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November 11 2013
Glen when it comes to qualifying for a new loan you will want to have made your last 12 months mortgage payments on time. So no late payments for 1 full year. This means you may need to wait until its been a year since your last late payment. Now there are some exceptions to this rule but the terms tend to be less favorable. This rule also comes into play with your settled 2nd mortgage. Hope this helps
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September 21 2013
 
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