Job and history of paying mortgage on time is more important than a score. (fhaloanpros.com)
Many homeowners pay their mortgage on time but are not able to refinance to take advantage of today's lower mortgage rates. (iloanhomemortgage.com)
Borrowers can refinance their existing guaranteed loans without the need for an appraisal or a credit report as long as they have paid their mortgage on time for the past twelve months. (nar.realtor)