thanks Cori for your help. all of the papers are in place even the new apraisal, i understand is a matter of filling up 3 forms and negociate to see what we can do. but in order for us to make a decision to go with the short refi we need to know how it will affect the credit score. everyone tells us a lot of things but never a straight answer and that's what we r looking for in order to move forward with the process.
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