Monique hit the nail on the head with her questions. Have already taken this loan & now looking to refinance?
An increase of 25 points is good, however you need at least a 620 mid-score as long as this is your primary residence.
Have you been in the same line of work for the last two years? You will most likely will need to.
Sounds like you have / had money saved to put down if you were approved for a hard-money loan - that is in your favor.
Contact a lender to see if you now qualify for a rate significantly less.
All the best,
Roswell Moore, CMPS
Certified Mortgage Planner