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best of luck
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I recommend you check out the directory and find a local professional to talk about your refinance.
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Have you tried talking to your local BOA loan rep? They may be able to pull some strings a call center LO can't. You can also look at the directory here and find somebody local to help you . I think you would like what they would have to say.
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I agree with Kent - if you have other positive trade lines there should be little to no impact on your credit score.
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The reason a mtg company will have a buffer is because the cost of Taxes and HOI often rises. This will help offset that instead of at the end of the year sending you a bill because your escrow account feel short.
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Christian who is your current lender? I ask this because some lenders that currently service your loan do not require you to have a credit score if you go back to them via retail and or wholesale.
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I am a 100ltv VA Lender - You can contact me if you like at 856-784-6300
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[Scenario] Anyone know of an MI company that will take a 2nd home??
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It all depends on your risk tolerance. BUT you are doing a VA loan so if rates go down after you close you can take advantage of the IRRL and drop you rate. Hope this helps a little! Thank you for your service!
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James did your lender provide you with a rate lock agreement?