Look to get a refi on my house

Are you a veteran?

do you have a business?

Not very likely to happen.. First, most mortgage companies have minimum loan amounts.. typically $75K to $100K.. So you have very limited options with a home worth $29K.. 2nd, to do a cash out.. you cannot finance more than 80% of your home's value.. So for a $29K home, the maximum loan amount would be $23,200.. and you owe $23,000.. so, there's not enough equity for a loan.. and 3rd, you have "Bad Credit".. as difficult as it is to find a loan with your scenario, having bad credit on top of everything else makes your scenario near impossible.. What you might want to look into is whether or not there are any local grant programs to help with property improvement.. Michigan was one of the hardest hit area's during 2008 when the mortgage crisis hit.. The government gave the state lots of funds to help people just like you.. you might want to check locally to see if there is something available. 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 / RPM Mortgage NMLS 1541014 / AZMB0121893