Can I refinance my home if it is owner financed?

Yes. And you should. Is the person who is holding your note reporting to the credit bureaus ?

So long as you meet the lending guidelines for the loan product you are applying for, then yes.. you can absolutely refinance.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893