Will mortgage rates fall for june 5, 2015
No crystal ball here, but as far as the international money trend goes it seems obvious that the rates will remain the same with a very slight increase for a period of at least 3-5 years.

share spouse FICO
With All government loans any FICO & Income of a non-purchasing spouse must be verified to make sure their excess of debt or income does not disqualify them. Other Conventional loans & private loans are only concerned with the fico & income of the applicants & not the spouse. Other than this I agree with...

need a refi on townhouse with no mortgage
Sorry I only do loans in CA, but I am sure if your are planning and able to fully document your income, then many lenders can help you locally because your Loan to value ratio seems to be inline with the conventional loan parameters.

I am looking for the best mortgage rates for my credit score which is 635 but for a 20 yr mortgage
Being a wise shopper means you ask the right questions to get the best answer possible so you can find out who can give you the best deal without a full application. I suggest you figure out your Loan to value ratio, fico score, number of lates on credit if any & the reason why you are at 635 & not 735 fico, add...