Odds of getting a low with a foreclosure on my creditI was hit hard with the housing crash as i had 3 rental properties. I had to short sell one and the other 2 were foreclosures. It's been 4 years, and other than that, my credit history is great, and my credit score is now back up to 684 now and climbing. Is it too early to discuss a refi on my current home? i've never missed a payment on anything except the rentals in 25 years. Should i wait or will i be able to find someone to help? If the latter, should i go with a private mortgage lender or bank? Other? Thanks in advance!October 20 2013 - Mesa0YesReport 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.