I would like to refinance my mortgage. My credit score is currently approx 695-715. I have a chapter 11 that was discharged in June 2020. I would like to refinance adding a co-borrower with a credit score of 780-800. My current home value is approx $420,000 and my current principal balance is $218,000. I would like to take $100,000 from equity. Can you help us?