i am a home owner without a morgae do i quilifly to refinace a row home with bad or no credit or would it be best if i owned a sin

You would need to qualify based on income, assets, credit, etc. You should directly message me to discuss your options further without making a full application just yet! I'm here to help!

If you own a property "Free - N - Clear".. Then you can refinance and pull cash out.. For any of the conforming programs, you have to have adequate credit.. Most lenders will require 640 or above.. if you have no credit, then there's still a possibility using alternate credit such as utilities payments, insurance payments, etc... if you don't qualify for any conforming programs, then there's "Hard Money" loans.. These types of loans are VERY expensive.. But they typically lend on equity position rather than credit qualifying.. if you want to know for sure, then you should contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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

Are you on a lease to own? Are you on the Deed? It's possible to refinance after 6-12 months. Your credit would be a factor so we would have to look at the credit before we could give you an exact determination or time frame for a refinance. If I can help you please get into contact with me. P: 888-320-7888 - Ken@MortgagesforAmerica.org - Ken Burrows

Don't really understand the question, can you re-write pleaseTo answer last question "1 day"

No credit, possibly. Bad credit, no.

More information is needed but as mentioned in other posts - no credit you may be able to use what we call tradelines (phone, utilities). If you have bad credit you will need to raise your middle score to at least 640. You can refinance if you own the home free and clear. Good luck.

The only way to know if you qualify is to speak with a mortgage professional so they can analyze your situation. Once they do then they will let you if and how much you qualify for. As far a what type of home you own and which is better that is a more detailed answer, but in short an attached row home or a single family are both fine.Call us or email us at 201-962-3555 or Team@BestMortgageOption.com if you have any questions.Ask for Michelle or Benny We will find the Best Mortgage Option to suit your needs!You can check us out at www.BestMortgageOption.com

There are all types of programs for you. Contact a local lender and have them help you.