We will re-fi it in the future, but is this a bad idea if we have to "pay-out" for awhile?

You can sell them right before this or just simply re-fi into something else.

If you can do a cash out re-fi and still have positive cash flow (even if it is only a little) you should probably do it.

There is equity in our home but we are in a credit repair state so a re fi won't bring us a better rate at this point.

(fixed rate 30 years also if possible)And lastly and only if you re-fi the 6 T-Hs.

Is 90% a set VA rate to cash out re-fi or does it vary by lender?

Patterson Ave.Colleen F. I

Here is a good Washington Post article (opinion piece) that I was discussing a few months ago with MC public school teacher who I know:http://www.washingtonpost.com/opinions/the-great-m...Here is a less politically correct, but more data-centric overview:http://greatergreaterwashington.org/post/19285/de-...And here is a report directly from MCPS that addresses the disparity of schools in the county:http://www.montgomerycountymd.gov/OLO/Resources/Fi...More importantly, those I've spoken to believe that the trend isn't ending...

All the lenders in SC I have worked with on FHA loans have required the reserves.

Chris F. I