if i have a judgement against me and it shows up on the title can i refinancewhat can i do

Typically in a refinance transaction, a title company representative will be there to clear all title issues. Since you say that it comes up on title the title company will contact the judgement creditor and obtain a payoff letter and release of lien. You will be able to complete the refinance but this will have to be paid out of the proceeds. Make sure you borrow enough to cover all costs and expenses so there is no "out of pocket" cost to you.