I would recommend you take the time to find a lender who will go over your credit with you so you can see what you need to do.... Rates will be low for sometime.. no need to rush. Find somebody to work with with you and give you the guidance you need to get your credit scores moving in the right direction.
Feel free to call me to discuss your situation. I have over 10 years of experience as a mortgage broker and real estate agent.
Best of luck to you.
REALTORÂ® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
I have a lender who can refinance you even if you have a not so perfect credit score. Rather than to discuss online, please feel free to contact me and I can go into detail about it. Thank you!
VOX Real Estate LLC
From what you have posted I believe strongly that we can raise your score enough to get refinanced.
Contact me directly for assistance. There is a specific method to follow. We can run your records through a FREE service which will analyze your specifics and advise on exactly what to do on each account. The one thing I can say for sure is DO NOT completly payoff any credit cards at this time. Let's get a specific plan in place. It will then take 30 - 60 days for your score to move upward. I recently helped a client move her score from just over 600 to over 640 in 45 days. Closed a house in 75 days from the day we met.
Best Wishes. Contact me directly if you'd like assistance.
Bill Austin ~ 512-709-6343 ~ firstname.lastname@example.org