Hi thereâ€¦ I need help! We had a vacation property which had to let go into foreclosure. This was around 2 years ago. Now, I own a primary residence in another state whose value is around $1.1M and I have a mortgage on it of $279K with 4.75% fixed rate. I have a good income and never missed any mortgage payments. The foreclosure 2 years back did not affect my score. But I am still not able to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] my primary home mortgage. What are my chances? Do I have to wait one more year before trying again?