Are there any refinance options if I foreclosed a year ago?

5-7 years - If the loan that you are attempting to Refinance is owned by Fannie Mae or Freddie Mac3 - years - (in some extraordinary cases 2 years) for FHA, USDA or VA

Nope... however there is talk about reducing or waiving the foreclosure/short sale waiting period for borrowers current on their mortgage, but don't hold your breath.. Just because FHA/Freddie/Fannie allow it, doesn't mean the lenders will.. 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

Probably not. It is likely that the Automated underwriting models of bother Fannie and Freddie will not give you an approval, but if you want to, try with your current lender. They would be your only hope. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

No, 3 year wait.

Nope

If you were foreclosed on, then there isn't a loan to be refinanced. If you were foreclosed on, then you must not be living in the property any longer. If you are referring to another property that you have acquired somehow, in spite of the past foreclosure, the answer is no. You have a few years to wait.

Sorry, no.