JDUBB

Thanks for responses. I will check it out. Anyone develop a spreadsheet for calculating FAKO/FICO? or know where the formula is? Thanks again.

Thanks for response. Forgot about the PMI change. Are there no 90% LTV (80/10) loan options out there other than FHA? I have excellent credit and income and no other debt. Also, can I pledge investments for a portion of down payment? Or is that a thing of the past?

I am interested in taking advantage of the historic low rates but don't want to put any more $$ in my house. I am interested in lower rates, even if it means a shorter amort period and higher payments. Here are the details of my current FHA loan: Current Principal Balance:$660,254.70Current Interest Rate:4.125%Loan Origination Date:10/28/2009Original Loan Amount:$687,617.00First Payment Due Date:12/01/2009Loan Type:FHA Residential/MIP ARMMaturity Date:11/2039 Next ARM Adjustment:02/01/2015 <br class="Apple-interchange-newline">Scheduled Payment BreakdownNext Payment Due:03/01/2012Principal & Interest:$3,332.54Homeowner's Insurance(s):$58.50MIP Mortgage Insurance:$302.61County Tax:$556.07Shortage:$20.43Total Scheduled Payment:$4,270.15

Is there any place to get a credit score and monitoring for both my wife and I at a reduced rate?