I have bad credit and I am behind 2 month on my loan I want to refiance my loan to a30 yr. loan can I do this and were should I tr

You need to speak with a mortgage pro now. You will need to see what your credit score is and find out your debt to income ratio as well as your loan to value. If you you are 60 days late you may not find anyone to refinance you, at the very least you would need to be current.

Bad credit, and more than two 30-day late payments on your existing mortgage loan is going to make it virtually impossible to refinance. The time to act was before you started having late payments. No new lender is going to be jumping up to assist you. Good luck

Hello Mark, we will certainly look at the options for you. If we cannot do anything right now, we will put you on a plan to get your credit back up to par so we can get you done! Call me anytime today. Thanks!

unless the mortgage is brought current, there isn't any conforming loan product that would allow you to refinance a loan when your currently 2 months delinquent.. your best bet is to contact your existing lender and see if they can help you get current.. 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

Hi Mark,In your situation. you will likely you need to start with your current lender and see what options they might have for you. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

With your scenario, bad credit and two over 30-day late payments will make it very difficult for you to find a lender willing to refinance your mortgage. Can you get caught up on your mortgage payments? If there is a specific reason to have fallen behind on your mortgage payments (illness, loos of job, etc.) you may want to speak with your current lender to find out if a loan modification is possible.