https://ficoforums.myfico.com/t5/General-Credit-Topics/Va-cashout-refi/m-p/5971778#M294982 <P>Hi new to forum, well forums in general.&nbsp; If I'm not doing this correctly, I apologize.&nbsp; I am wanting to do a VA cashout refi.&nbsp; The IR's are just so low right now.&nbsp; I've got about $50-$60,000 equity right now, would like to cash out for $20,000.&nbsp; My IR is 4.375% (this could be apr).&nbsp; I'm hoping to cashout, lower IR, and hopefully lower premiums.&nbsp; My mortgage fico scores are; EQ-692, TU- 689, EX- 684.&nbsp; 1 pd collection showing, no late payments in about 4 years.&nbsp; Although EQ has recently decided that I have 3 months of 30+ days late payments in 2019 on a car loan that was pd off in 2016.&nbsp; CU is 3% only 1 card has a balance, 3 HP's only 1 &lt; a year.&nbsp; I would like to cashout asap before rates increase but want a middle mortgage of 700.&nbsp; How can I get that up, right now my middle is 689.&nbsp; Hope this makes sense, thanks in advance.</P><P>P.S.</P><P>I am currently deployed in the middle east.&nbsp; My schedule, method of communication, and time difference has made contacting EQ about phantom late payment difficult.&nbsp; I am unable to sign into my EQ account (due to my location?)&nbsp; I do have a contact # for them but we don't communicate thru normal phone, we call thru apps like messenger, EQ can't accept those calls.&nbsp; I have another option that will cost a little money, but waiting spend that for a lot of calls back to U.S.</P> Fri, 03 Apr 2020 08:19:05 GMT Anonymous 2020-04-03T08:19:05Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Va-cashout-refi/m-p/5971778#M294982 <P>Hi new to forum, well forums in general.&nbsp; If I'm not doing this correctly, I apologize.&nbsp; I am wanting to do a VA cashout refi.&nbsp; The IR's are just so low right now.&nbsp; I've got about $50-$60,000 equity right now, would like to cash out for $20,000.&nbsp; My IR is 4.375% (this could be apr).&nbsp; I'm hoping to cashout, lower IR, and hopefully lower premiums.&nbsp; My mortgage fico scores are; EQ-692, TU- 689, EX- 684.&nbsp; 1 pd collection showing, no late payments in about 4 years.&nbsp; Although EQ has recently decided that I have 3 months of 30+ days late payments in 2019 on a car loan that was pd off in 2016.&nbsp; CU is 3% only 1 card has a balance, 3 HP's only 1 &lt; a year.&nbsp; I would like to cashout asap before rates increase but want a middle mortgage of 700.&nbsp; How can I get that up, right now my middle is 689.&nbsp; Hope this makes sense, thanks in advance.</P><P>P.S.</P><P>I am currently deployed in the middle east.&nbsp; My schedule, method of communication, and time difference has made contacting EQ about phantom late payment difficult.&nbsp; I am unable to sign into my EQ account (due to my location?)&nbsp; I do have a contact # for them but we don't communicate thru normal phone, we call thru apps like messenger, EQ can't accept those calls.&nbsp; I have another option that will cost a little money, but waiting spend that for a lot of calls back to U.S.</P> Fri, 03 Apr 2020 08:19:05 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Va-cashout-refi/m-p/5971778#M294982 Anonymous 2020-04-03T08:19:05Z