need to refi with a credit score of 755

It is possible for it to affect your approval. Especially if her income is needed to do the refinance? The rate is going to depend on a lot of things. Call me or email me and we can go over some things. Steffnie@peoplesbankusa.com 405-445-1091

Assuming your income is sufficient to pay the obligations for you and your wife, including the new payment on your proposed HELOC, then you should be ok... guidelines don't say you have to be working, you just have to have sustainable income.. as far as the rates goes.. no competent loan officer would quote a rate based on an internet request.. rates are good, but they are going up.. if you want to know if you can get approved and what your rate would be, you need to do it the ole fashion way.. pick up the phone, and talk to a local loan officer.. you'll know exactly what can be done in 10 minutes.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

I'm in Charleston too, her being unemployed will not affect your rate - you just need to qualify for any new mortgage just on your income. Are you looking for a home equity loan or a refinance of your first mortgage? Locally, there are lots of options for home equity loans and the rates vary based on your score, the LTV and other factors. I can help with a refinance and line up a home euity loan at the same time. pdumouchel@primelending.com 619-6025. If you just want the home equity loan I'd try Heritage Trust or another credit union and possibly SunTrust or wherever you bank.

As mentioned--- it may be an issue or it may not. Just make sure you deal with someone that can lay out the options for you. I am always happy to assist whether I work on your financing or not; So if you need more information, a pre-qualification, or a competing rate quote you can go to my web page and use my live support button to discuss or get advice on anything at all with me. Web Address is: http://www.loansfromrob.com/quote/ Email is rhanson@gladewaternational.com and direct phone is 240-752-7549. Good Luck -- Rob Hanson

There is not enough information here to give you a good answer. Contact a local mortgage broker, let them take a full application, and they can quickly decide what, if anything, is available to you and your family. www.SaintPaulMortgageBroker.com

there is a no documentation loan, for cash advances, up to $200,000.. it is only based on credit scores and trade lines.. i might be able to refer you lwintersteen@mprousa.com

If you wife's income is needed in order to qualify for the refinance, than her recent unemployment can affect your chances. The interest rate you receive will depending on a number of different things including you credit scores and equity.

If your income and finances are strong enough to support a refinance on its own, then it will not affect you. Since your wife does not have a current income, then the refinance will only be based on your finances. Either way, the best thing for you to do right now is to speak with a lender to see if you can get started on refinancing. There are lenders like myself that would be glad to speak with you to help you get the refinancing that you need. Well I hope this helps! If you have any further questions or if you would like a loan, feel free to contact me!Good Luck!