Can I refinance in Chapter 13 Bankruptcy with a 670 credit score
Yes, as long as the CH.13 is a year old and 12 monthly payments have been made to the trustee you should be able to refinance.Please call me if you need further information. ThanksRichard Breedon 317-585-6976

Can I qualify for USDSA/FHA financing with fico scores of 623, 580, and 596?
Unfortunately we need a mid-score of 640 for a USDA loan. However if the scores you are quoting are from a site like www.freecreditreport.com then they will be different from a bank/mortgage company scores due to different score weighting. Sounds like the auto dealers will have reduced your scores but...

my credit is 635 would i qualify for a conventional loan
Yes, you could qualify with a 635 score although you would need a minimum of 20% down payment and, if you are not selling your existing home, be able to qualify on your income for both mortgage payments. You may contact me at rbreedon@ccmclending.com with any further questions

I want to refi out of an ARM but not sure if I should wait
KelsyFixed rates are still low but how long do you have left on your ARM and what are your future plans? Call me at 317-585-6976 and we can dicuss your needs. I'm here in Indianapolis. Richard Breedon