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Refinance Your Home & Access Cash — Even With “Bad” Credit
Don’t let a low credit score hold you back. Compare top-rated FHA, VA, and Non-QM lenders who specialize in approving scores as low as 500. It’s free and won’t affect your credit score.
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FAQ
Can I refinance my mortgage with a credit score of 500?
Yes, it is possible. While traditional banks typically require a score of 620+, FHA loans and VA loans often allow scores as low as 500-580. Non-QM (Non-Qualified Mortgage) lenders also specialize in working with borrowers who have low credit scores but substantial equity in their homes.
Does checking my rates affect my credit score?
Most of the lenders we recommend use a “soft credit pull” to show you pre-qualified rates. This does NOT impact your credit score. A “hard inquiry” will only happen later if you officially apply for the loan.
How much cash can I take out with bad credit?
With an FHA cash-out refinance, you can typically borrow up to 80% of your home’s value. For VA loans, some lenders allow up to 100% (though 90% is more common for lower credit scores). The exact amount depends on your current equity and income.
What are the current rates for bad credit refinance?
Interest rates for bad credit are generally 0.5% to 1.5% higher than standard market rates. However, refinancing can still save you money if you are switching from a high-interest adjustable-rate mortgage (ARM) to a fixed-rate loan, or if you use the cash out to pay off high-interest credit card debt (often 20%+ APR).
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