686 Credit Score, need to refinance my home loan
call me at 920-882-7296 to discuss

Is it possible to get a mortgage in WI with a 580 FICO?
You should look at why your score is a 580. Typically if you have high balances on credit cards paying them down will increase credit scores. If you dont have credit cards get some.

If i check my credit for free and then a lender pulls my credit will it hurt my fico score?
Nope. Just an FYI, the credit score you get may be different than a credit score lenders would use. So when a lender checks your credit it could be different than what you thought.

possible to get VA loan while in reserves?
I am a lender in Appleton and can request the Certificate of Eligibility from the VA. 920-882-7296 to discuss.