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Heather Livingston's Answers

WHAT FICO SCORE DOES IT TAKE TO HAVE A VA LOAN
Normally 600. There are a few lenders that will go to 580.

Need to refi have plenty of equity but a few credit issues
Good previous answer. If possible pay credit cards down to 10% of the limit and request the credit card company to increase your limit.

Is it possible to refinance my 2009 loan without getting an appraisal?
It depends on the type of loan you currently have and your lender.