Just like @AllZero suggested I would look at DCU for refinancing. Their rates are much better than Navy and they're easier on the scoring. They also use Eq 5 which hard to find. My suggestion would be to start a savings(it's a soft pull) then sign up to recieve your Eq5 score. They usually update it at the end of the month so you will see it either in May or June. Once you know your score someone here can help you ballpark the apr you will most likely get. They are 120% LTV as well. Good luck.
@Anonymous wrote:@Eagered2succeed I looked into that but i don't believe i qualify to be a member.
You do. Just have to be part of an organization that qualifies. Here's the least expensive one as listed on their site. To make it even easier they will allow you to join while doing the app for membership. Super easy 😁.
@Anonymous I'd recommend both checking and savings. Savings is 6.17% APY up to $1,000