The mortgage is not under my name but the title is. How soon can I refi from the last pay?

Your question is confusing.. If you are on title, but not the loan, then you can refinance anytime.. so long as you have sufficient credit scores and meet all eligibility requirements, you can apply right away.. however, if you are saying that there has been late payments, and you want to know how soon after the late payments can you apply, then we definitely need more info.. guidelines vary based on how many late payments there were, and did they go 30-60-90-120+, etc.. I'm happy to assist, so feel free to reach out to me anytime.. I'm a preferred Lender with California and Arizona being my primary markets. 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 NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

An owner of a property can refinance at anytime. Not sure what the "from the last pay" means.