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TCL: $571.05k CCs:23 AAoA: 6yr 1mo Util: ~1% Derog: 0 |
Mortgage: $215.1k Sonata Lease: $1.3k Palisade: $23.8k |
No. Multiple inq's don't hurt your application.
For mortgages, the lender uses the mortgage scores - read the sticky above about mortgage scores.
The lender will use the lowest mid score of the applicants on the loan. So if you have a mortgage mid score of 760 (for example) and your wife's mortgage mid score is 725, then her score will be the qualifying score.
The most important factors for a refinance are:
There are other factors, but you have been through the process. A refi is easier