To: Steely Tom
I want to make sure I’m at or about 730+ before refinancing.
Can’t tell if I am. reading those are like reading the VIN plate on a car...means nothing if you don’t know the codes and secret handshake.
23 posted on
11/04/2011 11:07:03 AM PDT by
WOBBLY BOB
(See ya later, debt inflator ! Gone in 4 (2012))
To: WOBBLY BOB
I want to make sure I’m at or about 730+ before refinancing. If you have a 5+ years of credit history, and don't have any delinquent accounts in the past year, you should be fine.
But, go ahead and get your credit score. Go to someplace like Equifax.com or Experian.com and get it directly from the reporting agency.
27 posted on
11/04/2011 11:19:19 AM PDT by
justlurking
(The only remedy for a bad guy with a gun is a good WOMAN (Sgt. Kimberly Munley) with a gun)
To: WOBBLY BOB
A good mortgage lender can pull your score for free. If the score is there; you can just go forward then if you are ready. Even if below 730, it still might not affect things depending on loan to value; loan program etc...
A rate term refi should be ok down to 720 at a 80% lTV.
A lower LTV would probably give even more room if the score was lower
37 posted on
11/04/2011 12:00:41 PM PDT by
HereInTheHeartland
(I love how the FR spellchecker doesn't recognize the word "Obama")
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