how can I get a refinance with a 4yr charge off

Hello,I'd be more than happy to assist. Is the chargeoff a foreclosure on another property? If you're 4 years from discharge you could refinance with either FHA or conventional financing.

More info needed, but in general, a charge in itself would not prevent you from refinancing.. However, you still need to meet all other minimum eligibility requirements to qualify.. Try reaching out to a local mortgage pro and let them look at your complete loan profile.. Once they see the complete details, they can advise you. 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 / LendUS, NMLS 1938/ AZMB0121893

Not enough information, but a charge off in and of itself does not prevent you from refinancing a mortgage loan. I suggest you simply complete a full loan application with a local mortgage broker in your area, and see what happens. For loans in MN, WI, and SD, visit me at www.JoeMetzler.com (651) 552-3681. NMLS 274132

I would be happy to assist youThank you