Florida Bad Credit Refinance FAQ

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Florida Refinance FAQ A Credit Scores / Collections / Judgments / Late Payments / Cash-Out B Bankruptcy / Foreclosure C Pre-Qualification / Timeframe / Documentation / Appraisal / Taxes and Insurance D Refinance Cost Credit Scores / Collections / Judgments / Late Payments / Cash-Out Can I refinance my home if my credit score is less than 500? I have a few recent collections and I have also been late a few times on my mortgage payments within the last year. Will this eliminate my chances for refinancing my home? Quite a few lenders have turned me down. Is there still any hope to get approved for a loan? I would love to consolidate all my debts and start fresh again. Can I also get some cash-out by refinancing my home and consolidating my debts? Will you consider a borrower who has open tax liens and judgments? How much will I be able to cash-out if my credit history is very derogatory? What are the main factors affecting the cash-out amount? Back to top Bankruptcy / Foreclosure Can I refinance my home if my bankruptcy was paid-off and discharged only a week ago? Currently I am in a Chapter 13 bankruptcy. Can I refinance my home and pay-off my bankruptcy? What is the procedure of refinancing my home if currently I am in the Chapter 13 bankruptcy? Are there any special bankruptcy documents required by a lender to process my loan? My Chapter 13 bankruptcy was recently dismissed. Are there any refinance programs available so I can save my home from the foreclosure? I haven't made mortgage payments for the last three months so my mortgage company is about to schedule a foreclosure sale's date. Do I have to sell my home now? Back to top Pre-Qualification / Timeframe / Documentation / Appraisal / Taxes and Insurance How fast can I get pre-qualified once I contact your office? How long does the refinance process take? What documents are typically requested by a lender to process a bad credit loan? What if I can’t supply the standard documentation necessary to get a loan? Do I need to get an appraisal when I refinance? Do I have to escrow when refinancing or can I pay taxes ad insurance separately? Back to top Refinance Cost How much will this refinance cost me? What are the costs involved in refinancing? Will I have to come up with money to close my loan? Back to top
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