30-day Late - Can I refinance?

I am looking to refinance and pull out some cash. I just discovered that I have 2, 30-day late payments from June 2015 and November 2015. At that time, my husband was paying the mortgage and he was missing payments and not telling me. We have since divorced and I have been making early payments (via auto pay, by 10 days) since October 2016. I have also been paying an additional 10% on top of my regular mortgage payment. This was in hopes that any lender would see my good faith efforts in addition to my explanation. I have been self employed for over 5 years and my income is $38k/annually + alimony of $800/mo and child support of $460/month. I would like to make some repairs to the home to increase the sale value so I can sell the home ASAP and purchase something smaller/more manageable as a single mother of 2. My FICO is 589. The value of my home is $163.5k and I owe $129k. Any info is helpful. :) by EllaMae_knitkit827 from Long Beach, Washington. Jul 3rd 2018 Reply