Hi new to forum, well forums in general. If I'm not doing this correctly, I apologize. I am wanting to do a VA cashout refi. The IR's are just so low right now. I've got about $50-$60,000 equity right now, would like to cash out for $20,000. My IR is 4.375% (this could be apr). I'm hoping to cashout, lower IR, and hopefully lower premiums. My mortgage fico scores are; EQ-692, TU- 689, EX- 684. 1 pd collection showing, no late payments in about 4 years. 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. CU is 3% only 1 card has a balance, 3 HP's only 1 < a year. I would like to cashout asap before rates increase but want a middle mortgage of 700. How can I get that up, right now my middle is 689. Hope this makes sense, thanks in advance.
I am currently deployed in the middle east. My schedule, method of communication, and time difference has made contacting EQ about phantom late payment difficult. I am unable to sign into my EQ account (due to my location?) 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. I have another option that will cost a little money, but waiting spend that for a lot of calls back to U.S.
Starting Score: 400 Current Score: 714 Goal Score: 800