how can I get a refinance with a 4 yr charge

More info needed, but in general, a charge in itself would not prevent you from refinancing.. However, you still need to meet all other minimum eligibility requirements to qualify.. Try reaching out to a local mortgage pro and let them look at your complete loan profile.. Once they see the complete details, they can advise you. 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 / LendUS, NMLS 1938/ AZMB0121893