My home is in M1 zoning and my co-borrower had a short sale over 2 yrs ago. WE both have credit scores in mid 700s though my co-borrower has a higher score, one being about 780 or 790. We are current on the mortgage and have?never been late. We cant find a traditional refinance because of the zoning and/or the short sale. We?have a balloon in 5 months and are in a panic!?
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