i have short work history with a 640 fico and my aunt has 800 fico and wants to help me refinace to get my ex off the loan ..

Based on the information you provided we finaning that will allow will allow you to able to refinance condinsing all other conditions can be met. Contact me and we can discuss all of the details you can call me directly at 602-531-7040 or jafonso@azhomerates.com.

You should be fine with that amount of equity. The loan will be based on the lowest credit score, but obviously you need your aunt's income. It does beg a question here.. If you only make 1,200 per month, is your aunt prepared to help you financially, or is there other income you receive that cannot be used to qualify?

Good credit borrowers can not be used to offset bad credit borrowers. But, with a 640, you just make it credit wise. So yes, you can have both be on the loan and refinance

It shouldn't be difficult if all your information checks out. I can help you complete your refinance. Feel free to call with any questions. 949-777-2736, jimmyv@myactivus.com

Based on the information you provided, you should be able to qualify for a refinance.

You have some good answers to your questions to mull over here. I highly recommend you get at least 1 or 2 pre-qualifications from experienced competent mortgage brokers or bankers in California to assist you in making an educated decision on the best options for your situation.