Sincerely First time Home buyer!
Best of luck accomplishing your re-fi!
You're pretty much going to be limitted to an FHA mortgage with your score for a cash out refinance.
I can do VA & FHA loans down to a 580 score your score is eligib ... more
You might want to contact the National Foundation for Credit Counseling and ask for a local HUD-certified Housing Counseling Agency. One that is widely recognized is Resou ... more