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My fiance and I would like to refinance our 1st mortgage. We just looked up our credit scores, mine is 794 and his is 746. Would the lower score change the rate at all? Is that enough of a difference that we should look at a refi in my name alone (is that even possible)? I may be able to qualify for it, but I think it would be close.
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A handful of sources will offer slightly better pricing for scores over 780, but the difference is very small (cost of .25% of loan amount better). Not enough of a difference in my opinion to remove a borrower.
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