It will have to be a local/regional bank. For example, I work with a bank that MAY allow that score but they only lend in the northeast AND all other factors will need to be favorable.
You should work on increasing your score ASAP and then apply for your refinnace.
You should work on increasing your score ASAP and then apply for your refinnace.
You are more likely to succeed with a loan modification if you are simply looking to lower your payment on an existing mortgage. Of course we would need to discuss if there are some extenuating circumstances, but you seem to be an ideal candidate.
