We have been trying to get our mortgage refinanced for several months now.
Both my wife and I have 725+ credit scores (hers hovers around 800)
We've made 13 mortgage payments a year since inception, so a lot of bonus principal paid off
She's had the same job for 10 years, whereas I switched to being self employed 4 years ago, a year after first getting the mortgage
We have reasonably substantial retirement savings
Our home value has increased by over 20%
Admittedly, I treat my company as more of a 'gig' than a job, as it