I might be able to do it via a Jumbo loan. I am assuming you are not requesting cash out correct?
Is your value just not there? If i is I can go 95% conventional and maybe look at an LPMI loan? There will be no mortgage insurance and your payment will be a LOT less.
In all honesty the fact that you have authorized users on your account should not matter. Your score is your score when it is reporting it sounds like you have plenty of trade lines. Clay is this a standard rule? I personally have never heard of it. It sounds like a bate and switch. A 4.625 is pretty high right now for a 30 year fixed. Also are you getting mortgage insurance or is the lender paying for it.
Please email me your contact information and I will shoot you over a quote. Click on my profile and call me or email me.
Everyone is trying to give an honest answer and help you, but we would need to know what you are trying to accomplish in order to help you out. Give us a clearer picture of what you want to do and we will give you an idea what options you have.
There are some good responses on here. You can sell it for whatever someone is willing to pay for it especially if they are willing to pay cash. Realistically though you are only going to get what someone else thinks it is worth and maybe less than that which would be what other similar homes in your area are selling for.
Just a little information she could also draw out a little money to pay off the taxes and enough for a nest egg and then draw a monthly income on the property as well instead of taking one big lump sum. Whatever is in her best interests make sure you do that.
As long as you stay in your home and it is your primary residence you will not have to repay the credit. After three years is up you can do whatever you please with it.
If you have good credit and are 95% equity or below you might want to look at a conventional loan 5/1ARM. It will be a better rate with a lot lower mortgage insurance.