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