Consumer Mortgage & Investment Corp. has a program that is not score driven.  Even with marginal credit  we can help you.  We do need the income proof to show the ability to pay back the loan.  We can loan up to 50% of the appraised value of the home.  This loan helps you to get back on track to solve your credit issues With a good mortgage payment history for 12 months and all other credit issues in order, your score should be in place to refinance for better terms.  Give us a call at 757-552-7000 or toll free at 1-800-882-0066. .