If I am on title but the mortgage is not in my name, how soon can i refinance from the last late pay

Good Afternoon, there are no waiting periods on a late mortgage payment as to when you may refinance. However, the answer to your question is a bit more complex, and your question actually raises more questions for mortgage professionals to better understand your situation. 1) What are you trying to accomplish? Why are you refinancing?2) Are you removing the current borrowers and putting you self on the mortgage as the only borrower or are you being added as an additional borrower?3) If you are trying to add your self to the loan in addition to the other borrowers, are the current borrowers behind or is the mortgage current?4) How long have the current borrowers been under the current loan terms?5) How long have you been on title?Feel free to respond to me with the answer directly to Almir@peakhomeloans.com.I am looking forward to hear from you.

Sorry, but this is not an easy question to answer without gathering up much more info.. do you or did you live in the property while the payments were being paid late? If so, then how many times was the mortgage more than 30 days late in the past 12 months.. Guidelines absolutely have mandatory waiting periods if there were 30 day late payments in the past year.. If it were just one,, typically not a problem,, if there were several, or you went 60, 90 or even 120 days behind before bringing it current, then the waiting period could be several years.. unfortunately, there is no "one answer fit's all".. if you have time, call or email me and give me the particulars.. i'd be happy to analyze and let you know if you can do this right away, or if you need to wait.. 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