1. Are you looking to refinance the mortgage just in your name?
2. Who is on the loan/deed at the moment?
3. How is your credit score?
5. You'll have to give more specifics on what you are trying to do for anyone to be able to help.
Have a good day.
What kind of loan are you looking to get?
Feel free to drop Robert an email at firstname.lastname@example.org
He works for Prosperity Mortgage which is a joint venture between Wells Fargo and Long and Foster Real Estate.