My best suggestion is to use a mortgage broker. They typically work with a large number of lenders and can usually shop rates. When your credit is pulled an inquiry is noted on your report, when you are mortgage shopping among lenders whithin a short period of time the multiple inquiries for a mortgage usually don't count against you.
Get in touch I have a few excellent brokers I can suggest.... more
I believe that you can use an FHA 203k loan to refinance and do repairs on a home. I just took an FHA class yesterday and that is what they presented. Contact your local FHA 203k lender to find out more.... more