live in Puerto Rico and purchased a home in 2014 for $122,397, with and interest rate of 4,750. Present balance is $117,154,60. I

More info needed.. Is the property here in US or is it in PR? Do you pay taxes? Can you prove your income? is the documentation in English or Spanish? It might be tough to refinance now if you live in PR.. But your best bet is to contact your existing lender... sometimes they offer "streamline refi's" which require reduced documentation.. I'm a preferred Lender with Arizona and California 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 / RPM Mortgage NMLS 1541014 / AZMB0121893