Need to Refinance! - Posted by Danio

Posted by Danio on March 16, 2011 at 16:07:27:

Here is my situation:

paid $99,900 in 09/2008 for townhome. I currently live in it.
I have a 6.25% interest rate. Ch 7 discharge in 09/05. I now owe approx $70,000 on the townhome. I just want to refinance to a lower interest rate. I quit my job and became self employed 08/2010. It’s the same line of work, but now I have 1099s from several companies instead of just one w2. Are there any banks that will work with me? The ones I’ve talked to want to see 2 years of stable income since I’m self employed now. Anything I can do to take advantage of the lower interest rates out there?