Refinance with bad credit?

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My father has bad credit as well as is stranded in an ARM loan upon his house, which he has NEVER longed for a remuneration to. He is now with Wells Fargo as well as they have been requiring 2 taxation years during a same pursuit prior to they will refinance us. Does any one know a association which is creditable in operative with people with low credit as well as can refinance us in to a FIXED rate?
the residence loan in 74,000 a taxation estimation (this is a lowest appraisal) is for 89,000 many expected can be appraised for over 100,000
his seductiveness rate is 9.95 =( we do not know where a strange loan writings have been consider his X has them so i do not know because it stays so high

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