WHo has used someone for a FHA refi (from conventional) cash out but with a 609 mid score. I have plenty of equity in my house. I owe 205 first and second and it is worth like 330k. I am looking to take out about 25k. Which would put it at 70 LTV loan. I have pretty low DTI .I am looking for ideas on bands or brokers people have been able to close with at 609 not have them string you along while they hope your scores increase. Any ideas?