Is the credit over 780 for both #2 applicants, or is that an average?

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.

They started having a guy from a company called Pathways come to these events and get people to put 40k on 4 or 5 credit cards which put them in massive debt and wrecked their credit because of this dishonesty as well as other things said in the three days.2.

A market like Boston has a long track record of appreciation in excess of inflation/cpi.  

Credit!

Its pros include streamlined property tracking, access to owner data, automated direct mail campaigns, and team collaboration features.

They may also require US credit history, although there are a handful that will not require a US credit report for an increased rate/ reduction in LTV. 

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.

Also Mike, why is cash out higher with refi, do you mean just with the credit union scenario?