It’s possible to refinance with bad credit, so if you want to lower your mortgage payment but have bad credit you could be in luck. Review your credit history and try to be responsible with your spending. Look into an FHA streamline refinance or the HARP program.
Your credit score is an important factor lenders consider when determining whether and how to work with you on a refinance, and bad credit could put you at a disadvantage compared with other borrowers.
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