Bank One is Nationwide and they have no seasoning refinances. Their non-conforming division. Which has higher rates but they are not that bad. You can go stated income with these guys if you have a 630 credit score or better.
Looking for a Mtg. Company/Lender that has No Seasining Refi’s. in So. CA. area…Can be anywhere in U.S. as long as they can do No Seasoning refi’s in So. CA.