Our minimum score is 620 for conventional. I believe that's the agency minimum for non harp loans also...
You will find plenty of lenders on Zillow that will do an FHA streamline in Michigan. Try to submit a loan request and see who comes up.
My guess is that the $500 from close has to do with your loan payoff and intterest on the new loan. Lenders can't roll in costs or escrows into streamlines without appraisals. This doesn't sound bad to me.
One of the goals of HARP was to get homeowners in more stable products, ie 5/1 ARM to 30 year fixed. If you have an ARM now, you can refi into another ARM, but you can't go fixed to ARM from my experience.
You should be able to but we need more information. Most banks will allow 90% max loan to value or less on a line of credit
The lender you closed with may ask you to fill out a new 4506t if the one you completed was rejected by the IRS. They may pull them after closing but they are looking for amended returns in most cases rather than name changes. I wouldn't be concerned about losing the loan but cooperate if they ask you to complete another 4506t later.
You can get conventional PMI with a 646 to 90%. But check with your lender on the state/county to make sure there are no MI restrictions.
For a refinance, and assuming you don't exceed the lender loan to value requirements, then yes you can roll in your closing costs.
Yes April 1st. We need a signed application to request a case number. It doesn't take long to receive a case number..
You can check the following links..Fannie Mae: https://www.knowyouroptions.com/loanlookupFreddie Mac: https://ww3.freddiemac.com/corporate/