Conventional financing with short credit history

[James De Silva]

Hi All,

I've been in the states for about 3 years now, but have only really built up about a year and a half worth of credit. My credit score itself is excellent, and everything else, job history, income, reserves etc are A+, but because the history is so limited, the underwriters are unwilling to book my refinance loan at the moment.

I understand that if I was asking for a loan for a conventional owner occupier it's easier, but apparently they are more picky with investment properties.

Short of waiting for another year or two to build up some history, what are my options?