Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010
Re: Best refi options for us
[ Edited ]

Since you're military you can join NFCU, if you haven't already, I'd recommend joining and trying thr refi there.  A relationship there may help with your home financing as well, they do both VA and conventional.

 

The difference from 5 to 6 inquiries isn't that big a hit.  I wouldn't get so wrapped up in driving scores that you do things that don't make sense.  Right now you're probably one "tier" below best mortgage rates, the best rates come into play around 720.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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