Best Mortgage Companies To Refinance With Bad Credit

It can be challenging to refinance a mortgage with bad credit, as lenders may be hesitant to approve a loan for someone with a low credit score. However, there are some mortgage companies that specialize in working with borrowers who have less-than-perfect credit. These companies may be more likely to approve a loan for someone with bad credit, although the terms of the loan (such as the interest rate) may be less favorable than for someone with a higher credit score. Some mortgage companies that may be worth considering if you have bad credit and are looking to refinance include:

Best Mortgage Companies To Refinance With Bad Credit
Best Mortgage Companies To Refinance With Bad Credit
  • Quicken Loans
  • Rocket Mortgage
  • New American Funding
  • Guaranteed Rate
  • LoanDepot

It’s important to keep in mind that even if you are approved for a mortgage with bad credit, you may still need to pay a higher interest rate or provide additional collateral to secure the loan. It may also be helpful to work on improving your credit before you apply for a mortgage, as this can increase your chances of getting approved and potentially help you get a better interest rate.

Mortgage Companies With Good Credit

If you have good credit, you may be eligible for more favorable terms when you apply for a mortgage, such as a lower interest rate. Many mortgage companies offer loans to borrowers with good credit, and some may specialize in working with this type of borrower. Some mortgage companies that may be worth considering if you have good credit include:

  • Quicken Loans
  • Rocket Mortgage
  • New American Funding
  • Guaranteed Rate
  • LoanDepot
  • Wells Fargo
  • Bank of America
  • US Bank


It’s important to shop around and compare offers from multiple mortgage companies to find the one that best meets your needs. Be sure to carefully review the terms and conditions of any loan offer, including the interest rate, fees, and repayment terms, to ensure that it is the right fit for your financial situation. In addition, it’s a good idea to check your credit score before applying for a mortgage to get an idea of what interest rate you may be offered.

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