Hi Blondecow,
This is a mortgage community wherein people share their issues and the members/experts participating here try to resolve their queries. This community does not refinance mortgages. You've mentioned that your property has been appraised at $115,000. Thus, you've equity in the property which is one of the major criteria to refinance a mortgage. If you've a good credit score and stable income, then you shouldn't face issues in refinancing it.
There are a number of lenders participating in this community, you can speak to them and seek a no obligation free mortgage consultation. This will let you know whether or not you would be able to refinance the mortgage.
This is a mortgage community wherein people share their issues and the members/experts participating here try to resolve their queries. This community does not refinance mortgages. You've mentioned that your property has been appraised at $115,000. Thus, you've equity in the property which is one of the major criteria to refinance a mortgage. If you've a good credit score and stable income, then you shouldn't face issues in refinancing it.
There are a number of lenders participating in this community, you can speak to them and seek a no obligation free mortgage consultation. This will let you know whether or not you would be able to refinance the mortgage.