I have 740 credit score. I would like to drop by mortgage rate by 100bps, but was laid off. advice?what option are available to me? I have never missed a payment, and all I want to do is refi to current lower rates. Is this possible? March 01 2009 - Murray Hill0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.