Zillow Advice: Refinance - Need refi advice--Can't find a lender to help us despite income&gt;$110k and LTV&lt;70% http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ Zillow Advice | Zillow Real Estate I have a lender will allow&nbsp;&nbsp;&nbsp;1x30 ... http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ I have a lender will allow&nbsp;<strong>&nbsp;<u>&nbsp;1x30 mortgage late in the last</u> 12 months&nbsp; with an Letter of expaination from the borrower!&nbsp; (Conforming Only)<br/>Let me know if I can be of of any help.<br/><br/>Jasbir Gujral<br/><em>[deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]</em><br/></strong> Sat, 27 Apr 2013 21:21:00 GMT http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ 2013-04-27T21:21:00Z I would contact your existing ... http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ I would contact your existing lender. It sounds like you may qualify for a HARP loan but without having all the information, I cannot make an exact determination. <br/><br/>Most banks will not allow for the refinance due to the late payments. That is why I would recommend you contacting your existing lender. They may be able to do some special&nbsp; financing for you.<br/><br/>Good luck! Fri, 26 Apr 2013 18:47:00 GMT http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ 2013-04-26T18:47:00Z Many lenders will decline ... http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ Many lenders will decline anything that has 30 day mortgage late in the last 12 months.&nbsp;&nbsp; From the scenario you describe, I think there is potential to qualify as long you both have qualifying median credit scores at 620 or above.<br/><br/>I would be happy to review options for you, you can contact me through my profile for a closer look. Wed, 06 Mar 2013 20:45:00 GMT http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ 2013-03-06T20:45:00Z Have you tried contacting ... http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ Have you tried contacting your existing lender? &nbsp;They may have a few more options for you because of the couple late payments. &nbsp; Wed, 06 Mar 2013 20:39:00 GMT http://www.zillow.com/advice-thread/Need-refi-advice-Can%27t-find-a-lender-to-help-us-despite-income-gt-110k-and-LTV-lt-70/481621/ 2013-03-06T20:39:00Z