Issue with refinance in SoCal due forbearance

[Juan Ayala]

BP Family,

I am having a hard time finding a lender who is willing to help me with a refi on my investment property. Lenders are giving me mixed messages about when I can start the process and what needs to happen since I am currently in forbearance. Once I found out about the three-month period before I can refi I contacted my bank to end the forbearance but unfortunately, it takes them a few months so Sep 30 is when it ends. I am paying my mortgage starting Sep 1 to get back on track. One lender told me I would have to pay the entire forbearance amount even though my current lender told me they would defer it to the end of the loan. I am wanting to take advantage of the low rates and consolidate a HELOC. Any advice BP family on when I can start the refinance process? Who can help me? What should I do?

Also, wanting to buy a property for myself and my family as soon as this refinance is done. So maybe a double deal for a lender out there with better customer service. 

Thanks in advance!

Details:

-Refinance investment property in Los Angeles

-Owe $309k at 4.125% int rate & property valued at $550k - $600k

-HELOC $60k 10% int rate

-Credit Score 780 w/ a clean record

-No cash-out