Can I refinance if I'm 2 mos late on my mortgage?

You will have to look for a non-conforming / non-QM mortgage. The traditional mortgage options are going to be off the table until you are current for at least twelve months. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in Arizona, California, Georgia, Oregon, and Washington. Need help in other states? We've got you covered. NEXA Mortgage is licensed in 46 states ~ www.ApplyYes.com 480-889-9000.