Need to refinance a property under 50K that has destroyed my credit.

[John DeFoor]

I have a house that is woth about 50K I purchased it with creative financing and it messed up my credit now I cant get it refinanced. I would rather have a terrible refinance loan and recoup my money than be in the situation credit wise that I am in now. I am looking for a refinance will do interest rate above 10 percent would like to have a 10 plus year loan would like to get 60 to 70 percent of the value of the house. prefer private money lender or hard money banks are of no help let me know if anyone has a solution to this delema or even a suggestion. thanks

[John DeFoor]

Well I used a line of credit to purchase the house and a credit cards to finance the renovation. With the plan to refinance as soon as I was finished and pay off all the debit that was put toward the house. however now due to the credit lines being maxed out that is effecting my ability to get the refinance and has sank my credit score. before the purchase I was approved for a traditional loan to purchase just thought it would be way easier to do it the way I did and boy was I wrong...