Is there a stated income loan to fit my need?
The only think i can think of would be a hard money loan...

HARP Refinance with 675 credit score
your fico score should be just fine so long as your loan is still owned by Fannie Mae and no mortgage late during the past six months. However you still have to qualify based on your income.. we have a local office here in santa ana, please feel free to come by in person or give me a call at 877-223-3105 ext. 6440...