Brian DiVito (brian@mhmlender.com)
			
			Hello RttitusYou can always try doing it with another lender. I am a local licensed lender in NJ and would be glad to take a loan at your scenario if you'd like. Feel free to reach out to me if you're interested.
			
			
						
				Mona Hulteen (mhulteen)
			
			Wait a year, make all payments on time, then try to refinance. I have helped a lot of people that had the same problem with their making home affordable refinances. They made them 40 year loans in some cases and kept the interest rate high. Call me when you are ready. I would love to help. As a special note, make sure you keep on tract with all of your debt.
			
			
						
				Michelle Curtis Loan Originator NMLS 401173 (MichelleCurtisLO)
			
			How long ago did you refinance? What in particular are you unhappy with?
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