need to refi a balloon note, credit bad, payment history good and current. need $130k app value $175I am self employeed, credit took a hit and income var. is a problem, wife's income $30k, note balloons next month, its current and pay history is good. Bal is 130k property will app for $170-180k. September 13 2011 - US00YesReport 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.