Can I refinance with a 630 Credit Score?

There are lenders out there that will lend down to 630. A good lender will help you improve your score and do it quickly. But don't be confused.. there is more to getting approved then a credit score... if you have any tax liens, judgments, mortgage delinquents, debt to income problems, etc.. all can prohibit your ability to get approved... The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Yes we can go down to 620. Give me a call and I should be able to help you out 1-888-320-7888 - www.MortgageWholesale.net - Ken

I would love to go over your options with you! We have programs down to a 600 credit score with no upfront or application fees. Our company is locally owned since 1996, has an A+ rating with the BBB and I personally have 33 years experience. My direct phone number is 614-865-4826 and my email address is kitsy@firstohiohome.com.

Liz, If your loan was written before May 2009, the then HARP II option would sound like the best option for you. If you want to share additional information, please give me a call. 216-324-8113.

You can refinance and You might want to get a 15 year or a 20 year mortgage in order to save a small fortune in interest charges over the reduced loan term.15 yr fixed rates are super low now sometimes below 3%Once your middle score falls below 620 you will have very few options.Try to keep your credit card balances down to 50% or less of your total credit line on any one particular credit card and your credit scores will rise giving you even better rates on your refinance. You can call me and I will further explain.Jedd Nabonsal Los Angeles jeddnabonsal@gmail.com Cell 310 433 1703 Pinnacle Bancorp (lending in California only)

You have an excellent loan to value and if your debt ratio's are in line you could qualify for excellent rate and term rate around 4% or less. Call me for a quick pre qualification at 708-374-7439. As a Senior Loan Officer at Vantage Point Bank I can help you meet your financial goals.

@TBennett. Correct me if I am wrong, the pricing hits on the 630 would be less under the HARP. Then pricing hits relate to rate of interest available.