Who can help us refi our home loan with credit scores of 516 and 518?

Would like to guide you but will need to know more about your credit other than just the score. I'm in NH and willing to talk if you would like to set up a time. You can call me at 603-543-3700 ext. 1.

Not too many people

There is only one lender in the country that I know who will do a refi with scores down to 500. Their guidelines are very, very strict, and they don't lend in NH, so no help there... you should contact a credit restoration company and see what you can do to improve your credit scores... you can't qualify now, but you might be able to in the near future... WilliamAcres.com

The real reason your scores are in this range is going to determine if anyone can or will help you. Contact a local Mortgage Banker/Broker to find out what you need to do to get your scores higher. They will also be able to tell you if you have any issue on your credit that would prevent you from getting a loan even if your scores are higher. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

I do not know of anyone that can refinance some one with a score that low.I do not have your credit report in front of me so I do not know all of the details but here is some free advice.If you have credit cards pay them down.If you do not have any credit cards get one DO NOT CHARGE IT UP!! Keep the balance 1/3 of the limit.DO NOT PAY COLLECTIONS OFF.The only way paying a collection helps is if they are willing to remove it you have to ask them to do that and get written proof.We do not lend in your state but you are welcome to visit my site www.delinefinance.com or www.myhouseloan.biz

Work on reparing your credit first, call your local mortgage broker and work out a plan with them..good luck