is there any lender that will give me a refi/debt consol with a $2600 charged off credit card?

Some lenders will have a problem with this, others will not.. Typically, your local bank has greater restrictions than say a mortgage broker, who works with numerous lenders with a multitude of different lending programs, rather than just one or two.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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. 480-287-5714 WilliamAcres.com

Did they say why you were turned down?

If you would like a Free, No Obligation Review, send me a message and I will send you what I need to review for the documents you already have.

I am sure there is more than just the charge off at issue. Again, my offer to help is still open!

We would be happy to review your entire situation to see how and what the Best Mortgage Option for you and your family would be! You can call us 201-962-3555 or email us your info so we can call you to discuss. Team@BestMortgageOption.comAsk for Michelle or Benny!

sure. would you know what your credit score is? I would need a little bit more info, but I don't see why.

How long ago was the charge off? If it is not recent I don't see why the bank would use that to deny you. I think you should talk with a Lender 411 mortgage professional. Let them have a look at your credit report and see if this is the issue or if there might be something else. There are so many factors associated with getting a home loan. I wish you the best of luck.

Donna. Time is the key. Give The Time Some Time. How Long Ago Charged Off? Andrew.

We are a Direct Lender in PA. We can use the funds from cash out to pay the charge off. Contact me by phone or email. PBotros@OmegaLoans.net or 908 933 0253 Peter Botros

Loan to value needs to be considered here. If your credit score is at least a 620 this should be doable. With no lates on your mortgage in the past 12 months and no bankruptcy or foreclosure in the past 3-4 years