Thanks, usmc!  I do have income & established credit, so from what I've read I would more than likely get approved.

What I'm hoping for is  some feedback from anyone who may have recently re-financed with NFCU, ie, their scores, % rates, length of loan, etc.

Just trying to get a better handle on what I might expect.  NFCU only gives a range of rates based on term of loan, but won't divulge any actual score tiers.

Trying to decide if I should risk the inq now or wait til scores improve, etc.

If anybody can chime in with some thoughts or advices, I'd be grateful!!