can i refinance my home equity loan if have a credit score of 686

Assuming all other factors are in order, that score would be a qualifying score.

Hi, Absolutely. Feel free to give a call or email anytime and we can discuss options and start your refinance right away. I grew up in Norridge and I am very familiar with Park Ridge!Kris Krajecki-Great Mortgage630-347-6321 - imcallingkris@aol.com

It will depend largely on the loan to value of the liens attached to your property. If you still have a good amount of equity in your property, then you shouldn't have a problem.

I live in Edison Park so I can always stop by your home or office any day of the week.

Yes, but it's really about what is beneficial to you as the borrower. Guidelines require that there be a "net tangible benefit" for you to refinance.. either lower interest rate, lower payment, shorter term or you're taking cash out. But without looking at your complete loan profile, it's difficult for anyone to say if it would be beneficial to refi.. so the best advice I can give you is to contacting a LOCAL mortgage broker and apply with them. By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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

Justin Murray NMLS#233218RBS Charter One BankJustin.Murray@charteronebank.com(312) 256-4065