Can I refinance my mortage, while Tm behine 4 months?

Four months behind means you are in foreclosure or pre-foreclosure and chances are slim that you will qualify for any conventional or government refinance. Depending on your credit and other qualifying factors like income and assets, you may be eligible for some other what we call non-QM loans that are much more flexible with guidelines such as late payments and other negative factors. So the answer is "it Depends" If you want to find out, email me at lharvey@twmortgage.com. I will do my best to give you realistic guidance and accept an application if you wish.