Start from what you want to change, then find the refinance that fits
Refinancing with lower credit
Straight answer
Lower credit can limit loan options and raise pricing, but some government-backed refinances have more flexible standards. Review your credit reports for errors first and pay down revolving balances if you can. Compare options in writing.
Last reviewed against the primary sources listed below.
Before applying
- Pull your free credit reports.
- Dispute errors.
- Lower card balances.
People also wonder
Can I refinance with bad credit?
Options exist, but pricing and choices may be limited.
Should I check my credit before refinancing?
Yes, and dispute any errors.