can i refinance my mortgage with late payments

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FHA Loans And Credit Issues: Late Mortgage Payments. In previous blog posts, we’ve discussed the importance of coming to the FHA loan application process with at least 12 months of on-time payments on your credit history.

Q. I have good credit, and I’ve never been late on my current mortgage payment. However, property values in my area have decreased, and when I tried to refinance, I was told that my current mortgage.

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FHA Streamline Refinance: What To Do If You Have Had Late Payments. If you have had at least one late payment in the last 12 months, the absolute best thing you can do is to shop multiple lenders and find out which lenders will allow you to have a late payment or two and still participate in the FHA streamline refinance program. Shopping.

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Try our easy-to-use refinance calculator and see if you could save by refinancing. Estimate your new monthly mortgage payment, savings and breakeven point.

When you decide to apply for an FHA refinance loan, your lender may have a look at your credit rating. This is a source of stress for many, especially those who need to refinance because they risk default or foreclosure on ARM loans or non-FHA loans with variable interest rates.

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If you have had some late payments, you are not automatically disqualified. You can rebuild your history going forward and. 8 minute read There’s an easy way to lower your monthly mortgage payment, just refinance your loan. But, if you have bad credit, refinancing your mortgage may not be an option.

There’s no getting around the fact that late mortgage payments knock points from your credit score. The good news is, you have at least 10 extra days to make your payment without incurring a penalty.

Good Credit. A refinance only makes sense when you can lower your interest rate enough to significantly lower your monthly mortgage payment. For instance, if you have a 30-year fixed-rate mortgage loan of $200,000 with an interest rate of 7 percent, your monthly mortgage payment will be about $1,330.

Assuming you’ve already tried going the conventional route with no luck, you may want to check out the Home Affordable Refinance. can be a second home or an investment property.) Current on your.