Close

See current mortgage rates on Zillow Mortgage Marketplace

refi options? good credit, not underwater, no employment history.

Profile picture for nate777
I have been out of work for two years and during that time I have exhausted my savings in order to pay my mortgage.  The good news is that I have secured employment.  However, everyone I have spoken with wants two years of employment history to refinance.

I have a Wells Fargo, Freddie Mac, 30 yr fixed mortgage at 5.25% that was refinanced in 2003.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

January 17 - Staten Island
 Share
 RSS

Replies (5)

Profile picture for GMerino
What caused you to be out of work?  Now that you have secured employment is it going back to the same line of work? 
  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

January 18
Profile picture for Bob Lowery

Contact Wells directly and see if you qualify for the HARP loan.

  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

January 18
Profile picture for JAYS1

Is your new job in the same field as you prior position?

  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

January 18
Profile picture for funds2
If not eligible for HARP refinancing it is likely that you will need to be on the job at least 6 months if it is in the same line of work. If new line of work 12 months on the job is more probable.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

January 18
Profile picture for nate777
Yes, I am in the same line of work. 

I've already looked into HARP.  It seems they require that you be under water with a minimum LTV. 
  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

January 18
 
  • Be a Good Neighbor. Be respectful and on-topic. No spam or self-promotion! See our Good Neighbor Policy.

Have a question? Ask it here.

What's this?
Close

By starting a discussion, you can expect more of an interactive, back-and-forth experience where the conversation can go in many different directions.

Or start a discussion
Related Discussions
Profile picture for Go Huskers
DiscussionDo HARP/HAMP/HARUMPH programs create a false expectation of "qualified" for hopeful borrowers?
  • Last reply by Go Huskers
  • 5 days ago
Profile picture for Melvin List
DiscussionHarp 2.0 Refinance
  • Last reply by Melvin List
  • April 29
Profile picture for hannahd
DiscussionOur Chapter 13 BK will be discharged in April. Can anyone refinance us?
  • Last reply by hannahd
  • January 30
Profile picture for nate777
Discussionrefi options? good credit, not underwater, no employment history.
  • Last reply by nate777
  • January 18
Profile picture for Norm D Plume
DiscussionWhat are my chances HARP 2.0?
  • Last reply by Norm D Plume
  • January 02
Compare Mortgage Rates

See all rates

Be A Good Neighbor

Zillow® Advice depends on each member to keep it a safe, fun, and positive place. If you see abuse, flag it. More on our Good Neighbor Policy