C/C better to hire a PM.

I think of East of Montgomery as B/B- and West as a C/C- neighborhood.

Just borrow $10k from a few relatives or cash advance on your CC's.

Figured we could use this for the down, but then we would need money to pay the CC back after 6-18 mos.

This is figured based on outstanding debts in which someone could have a lien on such as a house, cc, vehicle or any business lines of credit.

Try calling your CC company.

This will typically  be less than the closing costs of a 2nd refinance (and certainly less hassle) once the cards are paid down and your FICO jumps to where it should be.Also note that FICO does not 'remember' CC balances for scoring purposes.

We have a separate points cc's for all of our budget categories and we pay it off every month....

You can also dispute a charge to your CC company, but if it was quite a while ago, you may be out of luck.

cold calling (CC) even paying 100/week to an OS VA via a professional CC firm is yielding about 2 -3 warm leads a month and nothing so far.