can i refinance with a second mortgage that has 30 day late payments in the past 12 months

As long as six months have passed since your last late date, sure can. Give me a call if you want to get started - 317-215-6687 - Thanks for asking!

You may be able to, it depends on the overall picture and credit profile - along with other qualifications besides credit. Definitely don't apply now if you are currently late or past due...

Over a hundred different items are considered when determining one's eligibility, so without looking at your complete loan profile, it's impossible to say.. But in general, if the late payment was between 90 to 180 days or older, then depending on which type of loan your applying for (FHA, VA, USDA, Conventional), you should be ok assuming you meet all other eligibility requirements.. .. 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

That depends on the loan program you select as well as a number of other factors. Contact a lender to go over your financial profile in detail and determine if you are eligible.