Yes... your payments should be up to date for a refinance. The last thing you would want is to stop making payments. Plus showing that you have been paying on time regularly will help your credit score and make it easier to refinance with a different bank or mortgage lender.
Most Jumbo Loans require a 20% down payment - however there are some lenders out there that might be able to do 10% - [Content removed by Zillow moderator due to spam. Please refer to our Good Neighbor Policy for more information.]
Lenders cannot:discourage you from applying for a mortgage or reject your application because of your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance.consider your sex, race, or national origin, although you will be asked to disclose this information voluntarily to help federal agencies enforce anti-discrimination laws. A creditor may consider your immigration status and whether you have the right to remain in the country long enough to repay the debt.impose different terms or conditions on a loan — like a higher interest rate or bigger down payment — based on your sex, race, or other prohibited factors.consider the racial composition of the neighborhood where you want to live. This also applies when the property is being appraised.ask about your plans for having a family, although they can ask questions about expenses related to your dependents.use discriminatory factors when refusing to purchase a loan or when setting different terms or conditions for the loan purchase.require a co-signer if you meet the lender's standards.This is the law. As Wayne said - as long as you are over 18 and can be in a contract you can be any age.