Is there a mortgage company that will refinance at 100% LTV with a low credit score? The mortgage history only shows (1) 30 day late in the life of the mortgage (just over 2 years)…..also, I am trying to do a cash out option to consolidate a few other bills and do some home renovations. This still would not make the total loan exceed the value of the property…but with this cost and closing costs…we’d be real close to what we anticipate the appraisal to be. Therefore, we need 100% re-financing. I would really appreciate serious answers…We got stuck with a house that we had sold on land contract with a 5 year balloon,…..we were 3 years into the contract and they abandon the house leaving us with a REAL mess and property taxes unpaid……we don’t have the immediate resources to fix it up…but have no choice but to move back into it to keep it from going into foreclosure…Thanks for all your help!!!