i have a conventional loan at almost 7% backed up by one nevada credit union i have 805 fico can i refinance

BobbyDiscussing your individual situation one on one is recommended to fully assess your options. A first step would be to see if you qualify for a Fannie Mae Refi Plus or Freddie Mac Open Access Refi. Both of these programs allow your loan to value to exceed 100% if your home is eligible and you receive approval. However, if approved, the 2nd lien holder must review and approve a subordination to allow the refinance. Please feel free to contact me to review for you and I would certainly like to help you if possible. jbodway@acceptancecapital.com

The information provided by Janine is better known as the HARP programs and are made for exactly your situation. I have an office in St George, ( just a couple hours from you) and can help you with this program. rpippin@bankofutah.com

You face a big challenge. Contact one of the fine lenders on this forum, who is in your area.

Check out some of the lenders who have replied, You need a Harp loan and many of them can help you

Maybe. What happens in Vegas, stays in Vegas right?

Hello Bobby,My office is located in Las Vegas near the 215 and Eastern Avenue. We have been in business for over 26 years. We are a direct lender with Fannie Mae offering the HARP Program with no overlays to the guidelines Fannie Mae has created. This will ensure you the best chance of qualification at a low rate and cost. We do NOT charge an origination fee (1-2%) like many of our competitors. Our average time from application to closing is 2.5 weeks on all programs. If you are interested in a prequalification for this program, please call us at 702-420-2250 and we can get that to you in under (1) hour.

Call me to discuss :-)Teresa C. Del RosarioWJ Bradley Mortgage Capital LLC2200 Paseo Verde Pkwy # 150Henderson, NV 89052702-749-4570 Office702-232-9140 Cell702-932-9412 FaxEmail:teresa.delrosario@wjbradley.com