Yes, it is possible if your credit is okay and you show sufficient income.

Yes it is possible. What you need to do is find a lender who has the ability to fund loans in your states with great rates. Freedom Mortgage is a National Direct Lender and have great rates. Please email me directly for a FREE quote. adennie@fmbranch.com.

Generally, yes, a refinance is possible. It will depend on the type of mortgage you currently have. If you have a conventional mortgage, you should look into the Making Home Affordable refinance program. If you have either an FHA or a VA mortgage, you should look into a streamline refinance. You also refinance a USDA loan. For FHA and VA Streamline Refinances, you do not have to show current income - you just have to show that you're employed. If you have an unconventional mortgage, you should still be able to refinance into an FHA or USDA loan. All of these options of course will depend in part on your credit and the amount of equity you have in the home as determined by a current appraisal.

It also depends if this is a conforming loan amount or a non-conforming loan amount. .... Happy funding, Rudi

It is possible, but, as always, the "devil is in the details."

Maybe. And we will assume your credit is good and you can document sufficient income.Lew noted the value of checking into government programs.CaJumbo noted that the loan amount makes a difference.If your loan is conforming (does not exceed $417,000), then almost certainly.If your loan is high-balance conforming (depends on your area - for San Diego mortgages it is $697,500), then maybe / maybe not. (See below)If your loan is higher still - a jumbo loan - then you will have to beat the bushes and forums to find a lender. You absolutely must provide a good level of data for lenders to provide you useful information.Ultimately you have to pass two tests. Can you find a lender? Can you get mortgage insurance. My client has a wannabe high-balance conforming loan on hold because the value of $675,000 exceeds both lender limits and mortgage insurance company limits. Both have been $625,500. None can explain the source of that value, but my borrower exceeds it. At $640K he is at 80% LTV, so then the lender will be OK and the mortgage insurance will be a non-issue.

Yes you can but mortgage insurnace will be required an any loans over 80%. Rates have drastically improved so there is still a possibility that their is a benefit.