I have some late payments but would like to refinance.

Hi Jeffrey, the answer to this really depends on the nature and the timing of the late payments. If you were not more than 30 days late or if you haven't been late in the last year, there are many options potentially. There are other considerations, such as how these may have affected your credit score, etc. Your best bet is to talk to a lender that can analyze your specific situation and issues and advise you on your options. I'm happy to help with the financing or just give you advice. So if you need more information, or a competing rate quote you can go to my web page, call or email. and use my live support button to discuss or get advice on anything at all with me. Web Address is: http://www.loansfromrob.com/quote/ Email is rhanson@gladewaternational.com and direct phone is 240-752-7549. Good Luck -- Rob Hanson

For credit score purposes, a late payment is not recorded as being late on the credit report unless it 's greater than 30 days late.. if you have had a late payment greater than 30 days, but less than 60, then guidelines dictate how many are acceptable.. for most, no more than one in the past 12 months.. if you have ever been more than 60 days late, then the rules start to drastically change.. so without knowing your exact scenario, it's hard to say for certain.. if you would like, I can look at your scenario more closely and get you an accurate answer within minutes.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Depending upon what type of loan you currently have it maybe possible to refinance with late payments. To discuss your loan further in details, please give me a call at 602-358-8717. www.azwm.com.Jill BeilerOperations ManagerArizona Wholesale Mortgage Inc.NMLS Id: 168270Co NMLS Id: 19254

You should be current at the time you apply and have no more than 1 30-day late in the last 12 months, and no more than 2 in the last 24 months.

Realistically, anything more than one 60-day late within the past 12 months, or two 30-day late payments is going to cause you trouble.