@sudofdisk wrote:
I purchased a new vehicle almost exactly a year ago and the dealership was able to finance me through a credit union I had never heard of at 12%. My credit is significantly better now and I know I could do better at a local CU, but I am planning on buying a home this summer. Is it possible/advisable to ask them if they want to refinance me? Will this count as a new loan on my credit report? Should I wait till after I get the mortgage?
Yes a refi is considered a new loan with new inquiry, new credit account in your file, etc.
I would wait until after buying a home to consider this refi. IMO
From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772
You can do the same thing with hard work
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