how can I refinance my house with a credit score of 5.8. My mother died in 2003 and on the loan we have now it has her name and my name on it. I also need to change the deed

most lenders will require at least a 620 score to help you refinance. There is no requirement to refinance as long as you keep paying but if you want to take advantage of current rates I recommend you work on improving your credit. I have a blog on this site that may be of help. Some lenders will go as low as 580 but the interest rate will be higher and it is definitely more difficult to be approved.