570 Credit Score Refinance
A 570 uses streamline refinancing now, and at 50 points from 620, full options are within sight.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
A 570 credit score keeps standard and cash-out refinancing just out of reach, since both need 620. For existing FHA or VA loans, a streamline lowers the rate now without a credit re-check. At only 50 points from 620, the full refinance menu, including the ability to pull cash out, is close enough to plan around.
A Short Climb to Cash-Out
A streamline is the active option at 570 if your loan is FHA or VA. It captures rate savings based on payment history, so there is no need to wait for a rate-only goal.
If you want to tap equity, 620 is the threshold, and 50 points is a realistic short climb. Reaching it opens conventional rate-term and cash-out refinancing, giving you the full set of tools.
| Refinance Type | Available at a 570 Score? |
|---|---|
| Conventional rate-term | No (needs 620) |
| Cash-out | No |
| FHA Streamline | Often yes |
| Distance to Full Options | 50 points (to 620) |
570 Score Refinance — FAQ
Through a streamline, often yes, if you have an FHA or VA loan, since those programs skip the credit check. For conventional or cash-out refinancing, you would need to reach 620, which is 50 points away.
If you want cash out or a conventional refinance, yes, and 50 points is a short climb. For a rate-only goal, a streamline can often help now without waiting.
A Refinance With a 570 Score?
Get matched to the right Florida loan for your score · Licensed FL mortgage broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.