IRRRL finance rates?

[gpeach]

No we are getting nothing at all from them. Just 4.25 with no orgination fee. We have to pay our .5 va fee and the refinance are only around 800-1000 in fees to pay. 

Should we be getting a better rate? 

Wells Fargo quoted us 3.75% no orgination fee. But they require an apprasial and he was not sure if it went down in value. Said going thorough bank lender would likely be better. 

Can I ask BOA for a better rate?

[BrianB_The_Loan_Professor]

You should try

Based on where rates were when you originally asked 4.25% on at least one rate sheet (not all are the same) was paying 2.5% credit which should go towards your closing costs - I have no idea where BofA rates are but if you are not getting any credit at 4.25% that is high.

B

[gpeach]

I asked outright and he said our credit score needed to be higher to get a better rate. He said now the mid score of husband was 656 and too low for better rate. Mine are higher. Husband recently got a truck. So new acct and inquiries dropped his score 30 pts. He was almost at 700 last time I checked.