Am I close to being able to refi?

Am I close to being able to refi?Am I close to being able to refi?
Maximccv asked 5 years ago

Been in our home for almost 9 years.  Right now we owe 240k on a home valued prob about 275k Our scores arent great but improving. I am low 600’s 640 highest FICO and my wife is high 500/low 600. No major debt or COs . I wasn’t sure if the fact that we had some equity would help our chances. I want to refin because our rate is set to go up in a year 1 point. No cash out just a straight refi.  – TIA

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