Re: Cash out from land equity. What was the FICO minimum for the loan program you are looking at. My only large concern would be the drop in FICO scores that you may be seeing. 680 is the minimum for alot of lenders (especially cash out) and 640-660 is pretty common across the boards. So if personal loan redraw nab want to see a 680 score for a cash out refi then it gets questionable. That said, My guess is at that LTV and with the DTI looking low (once they pay off the cards) it shoudl be fine.

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Personal loan redraw nab

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