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The credit union will more than likely require you to cover the negative equity with a down payment, You may want to try and apply for a re-fi at cap1. yuo can apply online. However, four momths payment history probably hasnt impacted your credit much at all so you will probably qualify for around the same rate that you did at Santander. My advice would be to wait another 8 months so you have 1 year payment history on the account you are trying to re-fi. The one year payment history will have a much greater impact on your credit and you will probably get a bmuch better rate than you would with your current situation. Also, some of the negative equity may be gone since you have paid more toward the principal during that year. I hope this helps. Modcut
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Shogun, myFICO moderator