can i refinance with a LTV of 76% with a 630 credit score?

YES... the question is what interest rate would you qualify for... and the only real way to know for sure is to apply.. 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

The quick answer is yes. The long answer is the information you listed is only a small part of the overall approval process. Sit down with a local licensed loan officer (not an unlicensed bank application clerk). Let them review your full application to give you a proper answer. Secondly, getting your score above 640 will significantly open the lending door to more opportunities and better terms.

We lend up to 75% with a 620 credit score. I'm happy to assist you. We're also a privately held bank that will be servicing your loan for the life of the loan, so there isnt any being passed around. Have a safe July 4th! Call me or go online to my website, www.JeffAlbrecht.com 512-807-2951

Yes you can refinance at that. If you currently have an FHA loan then you could look into a FHA Streamline. If not you should look at your credit closely and determine if there is anything incorrect because as lbennett mentioned you are not far away from the "standard" 640 which will yield you a better interest rate.

yes, seek out a local mortgage broker thats loans in Texas

Yes you can!!

Yes, Mr. Ron Litt with Open Mortgage, (281) 961-4570, ron.litt@gmail.com is available to help you with a 620 FICO for a refinance of a LTV of 76%. Call Him. I would if I needed a loan in Texas. I am in the mortgage business and work for a different company,

I am a local mortgage banker and broker, so you get the best of both worlds with me! I'm happy to assist you, but it's important that you plan on staying in your home for at least 3 years or more to make it worth it for you. I can be reached at 713-569-0025. Happy 4th! Mary Papageorge

Your credit score and loan to value are there. We need to make sure everything else is in line. I am here in TX and ready to be of service. LEt me know if you need help.Brad Cahoone - NMLS ID 184176 - 972-724-3222 - bcahoone@globalhomefinance.com