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Rose101537

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Can I refinace with a fair score, 674?

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Likely

You didn't provide any additional information like your debt-to-income ratio or other information about consistent payments, but based on the score alone you are in good shape.  Most mortgages require a minimum of 620 and you are well above that.  The best thing to do is talk to a bank or mortgage broker about your specific situation and what you are trying to accomplish.  You may also want to talk to the company you currently have the mortgage with about performing a reduced paperwork refinance with them.  If you have been paying your mortgage consistently with them, they may be motivated to work with you instead of losing you as a customer. A score of 674 is not great but also not bad.

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Good luck and let us know how it works out!

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