The appraisal was done prior to the list...have cancellation agreement.  some freddie/fanny/wellsfargo crazy guideline says you can't refi a home if it's been listed within 6months.  makes no sense....worst ever financial crisis, i consider selling, then change my mind and blammo!  no refi for you!  any way around this????

You're in the same boat I was 6 months ago.  I couldn't find a lender to refinance my home either.  You must be trying to do a "cash-out" refinance.  I believe if you're just doing a straight refi without doing a cash-out refi, you shouldn't have any troubles unless things have changed.

Here is some advice I learned then:

Giving "cash out" of a home that has recently been for sale is risky for a bank, as there is some chance that you will take the new loan, and then sell the house, allowing them to only collect 2-3 payments worth of interest, or less.  . .  or worse, walk away from the house once all your other payments have been made.

I do not mean to suggest that this is your intention - it may well not be! - but from a risk standpoint, this scenario carries more "what ifs" than others.

For this reason, all refinance loans (and particularly "cash out" or "debt consolidation" loans) where the home was recently listed will be individually underwritten on an exception basis.

My 6 months was up last week and I am now shopping for the best rate.

I hope this info is still accurate and I wish you the best of luck.

Contact a Broker in your State via the Directory, there are Lenders which allow 1 day off MLS!

There aren't a ton doing 1 day off,but you should be able to get a loan.