I am seeking for beautiful ways to refinance the let home. It is an ARM – it was during 7.9% n rock climbing – 9.9% in Nov n 11.9% in May of 2009. we have great credit, though bad credit – we have the 40,000 assign off upon dual of the 3 reports so which we cannot do anything (Equifax is my great report) – the single suspicion routine is regulating income upon palm to compensate it off n afterwards opening up the HELOC to get the income behind (or an equity loan) – though all the rates I’ve seen have been worse than the 7.9% we now have.

No portfolio or Fannie Mae lender will hold it conventional. As we said, we have the credit/available income to compensate off the residence n afterwards get income ‘out’ which way. any a single with any ideas upon the beautiful approach to get the decent rate?

FYI – chargeoff was scarcely 4 years ago – not the single longed for remuneration given then. can’t do FHA since we can’t determine sufficient income n we do not consider we can do FHA with investment properties.