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With a credit score of 640, I need to refi. I have ...

With a credit score of 640, I need to refi. I have the income, 140K, but due to a business loss in 2005 my credit is bad. What can I expect on a 410,000 refi?

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Answers

Ain't happenin'!  Most banks have already failed.  Those that didn't are partially owned by the Government.  Money's tight.  I don't see them letting you re-fi unless your Credit Score is perfect and you got 700 Billion down.

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