Ask Tim Tim has been in the mortgage industry for more than 11 years as a loan originator and mortgage processor. He's answered just about every kind of mortgage question over the years. Please Send Questions to: firstname.lastname@example.org Can I Refinance If I’ve Had a Late Mortgage Payment? What if the home does not meet FHA Minimum Property Standards (MPS) and selling as-is? FHA vs Conventional Loan: Which Is Better? Can I Use an FHA Refinance to Remove a Borrower? How Long After a Foreclosure Can I Buy a Home? I’m Pre-Approved. Should I Worry about Rates? I’m Delinquent on my Mortgage. Can I Buy another Home? Can I Refinance with HARP if My Mortgage is not a Freddie or Fannie Loan? I Need Lower Mortgage Payments but I’m not HARP Refinance Eligible How Do I Refinance with HARP when I have a 2nd Mortgage?