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My family home is in my wife's name. It's an FHA loan. Her credit is too poor to refinance (and now that she works less (kids) she doesn't make enough money). I'd like to refinance into a conventional under my name. 4 questions:
I am not sure about the answers to your questions, but I do know that there is an FHA program called a streamline refinance that doesn't take into account credit. I would talk to a mortgage broker about it because it is actually a pretty good deal. I went with a conventional loan, but I seriously looked at an FHA loan for the convenience of the streamline refinance. From what I understand about the streamline refinance, the closing costs are actually covered and you don't have to do any type of appraisal. I am not 100% sure how they take into account income, but its probably worth a shot!