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: Ideal for those with existing FHA loans; often requires no credit check or appraisal if you have a history of on-time payments.

: Available for those switching from a conventional loan to an FHA loan, typically requiring a minimum score of 580 . refinance bad credit

: For veterans with VA loans, this "Interest Rate Reduction Refinance Loan" usually has no minimum credit score requirement and simplified documentation. : Ideal for those with existing FHA loans;

: Some smaller banks or credit unions keep loans "in-house" rather than selling them, giving them more flexibility to look at your income and payment history instead of just your score. Strategic Steps to Improve Your Odds How to Refinance Student Loans with Bad Credit - ELFI refinance bad credit