is it possible to have 16 derogatory on credit report , all medical and get refinance

Depends on your credit score.

It depends upon how much they total, if you have disputed them and this shows on your credit report, what your FICO score is, and if you can qualify for the refi from all the other standpoints. The only way to find out if a refi is possible is to see your credit report and determine what must be done to fix it. I help my clients do this whenever necessary. Most recently, I assisted a client increase his FICO from 669 to 690 in a matter of days, reducing his interest rate and saving him approximately $3,000. Give me a call 16/7, or email me your phone number so I can call you, and I'll be happy to walk you through the process. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. Representing more than 40 quality lenders that offer in excess of 1,000 loan programs, we definitely have something for everybody.

It depends is my answer. A lot of factors come into play and the lender will look at your credit score and your total credit picture. I suggest speaking with a local lender who will let you know for sure if you qualify or not and give you options. Best wishes, Sean

Maybe... It depends. What is the actual credit score is going to be the biggest factor. Old items, small amounts, and small totals won't usually be an issue. New items, and big amount are another story.