Posted by Jim on January 10, 2008 at 07:52:59:
Refinancing will be difficult if you do not have a way to verify employment or self employment.
You mentioned being laid off. Do you have a company that you started at least 2 years ago?
You will need a 2 year employment history in order to refinance into a conventional loan. I would either look to survive in the hard money; or find a way to make your verification of employment or self employment work.