They also have the Mortgage Tax Credit.

Read some other comments - I guess it is technically a cash out refi, but you're paying off a line of credit as opposed to putting the cash in your pocket which is what I typically think of when there is a 'cash out refi'.

In the meantime, focus on building your credit, saving for a down payment, and soaking up as much knowledge as you can.

He's still trying to get you to put $300 on your credit card then they'll promise the kingdom of heaven.Ask them for the addresses of their last deals. 

Small, local banks and credit unions always have connection issues no matter the software.

You can also send payments to credit card whenever you have spare money.

However it is largely based off of relationships and working history.

I also have a credit score of 756.

I've reached out to the gentleman that owns the large PM group in the area to see if he knows of any smaller PM that I can connect with and I also messaged my credit union to find out what my best options would be.

Id go right into looking at local credit unions and small community banks for HELOCs (lines of credit) so you can have a lower blended rate and draw/payback as you please.For the 3F - Since this is free and clear, you would only be looking at 1st position options here in the world of financing.