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Hi, I have a bond for deed that I have been paying on time for the past 1.5 years. It will commence in April of next year. The house currently is valued at about 140k and the balance in April will be approx. 70K. I have a score of around 660 and my wifes at 600; also not a very extensive credit history. I had a bankrupsey 8 years ago and just started rebuilding a couple of years ago. I have a combinded income with my wife of 100K with no other loans except her student loan on the reports. Does anyone know how I should start to get this property refinanced in April and what my chances are? Thanks