I'm not a mortgage expert but don't most people traditionally refi via FHA assuming you meet their loan limit criteria? Your score will likely be irrelevant as long as it's above the minimum threshold and I would be absolutely stunned if you were below that.

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Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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