Can I refinance with bad credit?

Often yes. FHA and VA streamline refinances require little to no credit check or income re-verification, so even borrowers with dinged credit can lower their rate or payment. Cash-out refinances have stricter score requirements.

If your goal is a lower payment and you already have an FHA or VA loan, a streamline is the easiest path with imperfect credit. We'll pull your file and tell you which refinance you actually qualify for today.

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