My wife and I are trying to refinance and my credit score is 634 and hers is 722, what are our options?

620 credit score is the minimum for most programs. You may qualify for FHA streamline of HARP2, also.

Hello, my name is Cyndi Meyers...tjank you for your inquiry.There are several options available to you, however I would need to gather a little more information to determine which one would be the best fit for your specific scenario.Are you 62 years or older?If so, we offer several reverse mortgage products, that you may be eligible for on your primary residence...it has no credit qualifications and no mortgages payments for as long as you live in the home.I look forward to assisting you further.Regards,Cynthia J. Meyers, CSAIntegrity Home Loan LLCReverse Mortgage Specialist407 920-6382 directcyndi.meyers@intheloan.com"Helping Seniors Uncover Hidden Wealth and Income Streams"while serving Seniors with Integrity!Sent from my iPhone

The options available to you depend on what type of loan you are currently in. I would be happy to run some options for you to consider.......my email address is jsalamon@weststarmortgage.com. Based on a preliminary application I can provide you with side-by-side loan comparisons that will help you achieve your goals.