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General Refi Question


ThePeacock
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I got a loan throgh First Source in Aug of '05. Plan to Refi Sept. '07.

Sub-Prime loan 80/20 less than 2 yrs out of BK.

After 2 years of flawless payment history, scores in high 600s and 4yrs post BK7, good DTI.....will I be on "A paper"? Or will it still be sub-prime or Alt-A. I will have closing costs up front and 2 monts PITI in the bank.

Thanks

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Yeah, not looking for cash, just a locked rate (wish would have gone that way in the first place - my fault). Seems the way the rates are going up, in a year I probably won't be much better off then a I am now (7.8 combined), but at least it will be locked.

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