{"id":42969,"date":"2020-08-28T13:39:52","date_gmt":"2020-08-28T21:39:52","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=42969"},"modified":"2022-12-07T12:53:14","modified_gmt":"2022-12-07T20:53:14","slug":"credit-score-needed-to-refinance-your-home-2","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/credit-score-to-refinance\/","title":{"rendered":"Credit Score Needed to Refinance Your Home"},"content":{"rendered":"<p>Your credit score plays a big role in your ability to qualify for a mortgage, as well as how much it will cost you.<\/p>\n<p>And refinancing is no different.<\/p>\n<p>When you refinance your existing mortgage, your credit score will influence the interest rate you can secure. Typically, borrowers with higher credit scores receive lower rates, while those with lower scores get higher rates.<\/p>\n<p><b>Here\u2019s everything you need to know about what credit score is needed to refinance a home:<\/b><\/p>\n<ul>\n<li><a href=\"#what-credit-score-do-you-need-refinance-home\">What credit score do you need to refinance a home?<\/a><\/li>\n<li><a href=\"#how-to-raise-your-credit-score-get-best-refi-rate\">How to raise your credit score to get the best refi rate<\/a><\/li>\n<\/ul>\n<p><a name=\"what-credit-score-do-you-need-refinance-home\"><\/a><\/p>\n<h2>What credit score do you need to refinance a home?<\/h2>\n<p>The exact credit score you\u2019ll need to <a href=\"https:\/\/www.credible.com\/mortgage-refinance\">refinance your mortgage<\/a> depends on the type of loan, as well as your specific lender\u2019s requirements. In many cases, your loan-to-value ratio (the amount of financing you need versus the home\u2019s value), will also determine what credit score you\u2019ll need to qualify.<\/p>\n\n<table id=\"tablepress-358\" class=\"tablepress tablepress-id-358 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Loan type<\/strong><\/th><th class=\"column-2\"><strong>Min. credit score<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Conventional (rate-and-term and cash-out)<\/strong><\/td><td class=\"column-2\">620 to 720, depending on your loan\u2019s LTV, your debt-to-income ratio, and how much you have in cash reserves<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>FHA (rate-and-term and cash-out)<\/strong><\/td><td class=\"column-2\"><ul><li>500 if your new loan has an LTV of 90% or less<\/li><li>580 if your new loan has an LTV of over 90%<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>FHA (streamline)<\/strong><\/td><td class=\"column-2\">No credit check required<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>VA (IRRRL and cash-out)<\/strong><\/td><td class=\"column-2\">No specific minimum<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>USDA<\/strong><\/td><td class=\"column-2\">No specific minimum, but will need to demonstrate your ability to manage debt<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>Keep in mind that these are minimum credit scores for the loan programs. Lenders that offer these loans might require a higher credit score to lessen the risk.<\/p>\n<p><em><strong>Find Out: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/does-refinancing-hurt-credit\/\">Does Refinancing Your Mortgage Hurt Your Credit? Here&#8217;s the Truth<\/a><\/strong><\/em><\/p>\n<h2>Conventional loan<\/h2>\n<p>With conventional loans, you can do a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/rate-and-term-refinance\/\">rate-and-term refinance<\/a>, which changes your interest rate, term length, or both. You can also opt for a cash-out refinance. Cash-out refinancing lets you borrow more than you currently owe and take out cash to remodel your home, pay for repairs, or handle any other expense you might be dealing with. The numbers below assume a refinance on a primary residence.<\/p>\n<p><em><strong>Learn More: <\/strong><\/em><\/p>\n<ul>\n<li><em><strong><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-refinance-your-mortgage\/\">Complete Checklist of Mortgage Refinancing Requirements<\/a><\/strong><\/em><\/li>\n<li><em><strong><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/documents-needed-for-refinance\/\">What Documents Do You Need to Refinance Your Mortgage? A Checklist<\/a><\/strong><\/em><\/li>\n<\/ul>\n<h3>Rate-and-term refinance<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> 620 to 720<\/p>\n<p>A rate-and-term refinance for a conventional mortgage loan typically requires at least a 620 credit score \u2014 that is, as long as your loan-to-value ratio is 75% or less, you have at least two months of cash reserves in the bank, and your debt-to-income ratio is under 36%.<\/p>\n<p>If you have a higher DTI or LTV or no cash reserves, credit score requirements increase, up to 720. The maximum LTV on a conventional refinance is 95%.<\/p>\n<h3>Cash-out refinance<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> 640 to 700<\/p>\n<p>On a cash-out conventional refinance, you\u2019ll need a 640 credit score at minimum. To qualify with a 640, you will need a loan-to-value ratio of 75% or less, at least six months in cash reserves, and a debt-to-income ratio of 36% or lower.<\/p>\n<p>Credit score requirements go up to 700 if your DTI or LTV is higher, or you have less in cash reserves. The maximum LTV on a conventional cash-out refinance is 80%.<\/p>\n<h2>FHA loans<\/h2>\n<p>FHA loans come with three refinance options:<\/p>\n<ol>\n<li>Streamline refinance<\/li>\n<li>Rate-and-term refinance<\/li>\n<li>Cash-out refinance<\/li>\n<\/ol>\n<p>The streamline refinance requires less documentation than other <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/the-cost-of-refinancing-your-home\/\">refinancing<\/a> options and is generally a quicker process. An FHA loan can be a good option if you\u2019re looking for a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/no-closing-cost-refinance\/\">no-closing-cost refinance<\/a>.<\/p>\n<h3>FHA streamline refinance<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> 500 to 580<\/p>\n<p><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/fha-streamline-refinance\/\">FHA streamline refinances<\/a> are designed to have a faster, less stringent qualifying process. Because of this, there is no credit check and no minimum credit score required \u2014 at least officially. Lenders may require a credit pull if they deem it necessary. Your loan-to-value ratio must be below 97.75% to qualify.<\/p>\n<p><b><i>Learn: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/should-you-refinance\/\"><b><i>When to Refinance a Mortgage: Is Now The Best Time?<\/i><\/b><\/a><b><i> <\/i><\/b><\/p>\n<h3>FHA rate and term refinance<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> 500 to 580<\/p>\n<p>As long as your new loan-to-value ratio is 90% or lower, you\u2019ll only need a 500 credit score to qualify for an FHA refinance. If it\u2019s higher than this, a 580 score is required.<\/p>\n<p>Keep in mind these are just the minimums set out by the Department of Housing and Urban Development. Individual lenders can set score minimums higher than this (and typically do). An <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/home-appraisal\/\">appraisal<\/a> may or may not be required on these loans.<\/p>\n<h3>FHA cash-out refinance<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> 500 to 580<\/p>\n<p>The U.S. Department of Housing and Urban Development has the same credit score minimums across all loan products, so an FHA cash-out refinance will require a 500 to 580, too. Though again, this can vary by lender.<\/p>\n<p>With these loans, the maximum loan-to-value ratio is 95% as long as you\u2019ve had the home for at least 12 months. If you\u2019ve owned the property less than that, you\u2019re limited to an 85% LTV.<\/p>\n<h2>VA loans<\/h2>\n<p>Homeowners with VA loans can choose from either an interest rate reduction refinance loan (IRRRL) or a cash-out refinance. Neither one has a minimum credit score required by the Department of Veterans Affairs. Individual lenders, however, may set their own requirements. You will also need to meet the VA\u2019s military service requirements for these loans.<\/p>\n<h3>VA IRRRL<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> No official minimum<\/p>\n<p>This is similar to the FHA\u2019s streamline refinance, as it\u2019s designed to be a quick and painless way to refinance, get a lower rate, and reduce your monthly payments.<\/p>\n<p>There\u2019s no official minimum credit score for IRRRL loans, though you will need a current VA loan and certify that you live in the home. In the event your payment increases by 20% or more with the refinance, a credit check may be required.<\/p>\n<h3>VA cash-out refinance<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> No official minimum<\/p>\n<p>A cash-out refinance also has no official minimum credit score, though you\u2019ll need a Certificate of Eligibility and certify that you live in the home. With <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/va-cash-out-refinance\/\">VA cash-out refinances<\/a>, you can borrow up to 100% of the home\u2019s appraised value (an appraisal is required).<\/p>\n<p><em><strong>Keep Reading: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/va-refinance\/\">VA Refinance: 3 Ways to Refinance a VA Loan<\/a><\/strong><\/em><\/p>\n<h2>USDA loans<\/h2>\n<p class=\"featured-box featured-box--isBlue\"><b>Credit score:<\/b> No official minimum<\/p>\n<p>There are both streamlined and non-streamlined ways to refinance a USDA loan. Though there is no minimum credit score requirement on any of these, the USDA will use your total debt and credit score to assess your eligibility.<\/p>\n<p>The only exception is on streamlined-assist loans, which require no credit check at all. As with all the loans on this list, lenders are free to institute credit score minimums they deem appropriate. You will also need to live in the home as your primary residence and meet certain income limitations.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-often-can-you-refinance\/\"><b><i>How Often Can You Refinance Your Mortgage?<\/i><\/b><\/a><b><i> <\/i><\/b><\/p>\n<p><a name=\"how-to-raise-your-credit-score-get-best-refi-rate\"><\/a><\/p>\n<h2>How to raise your credit score to get the best refi rate<\/h2>\n<p>If your <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/refinancing-bad-credit\/\">credit score isn\u2019t high enough to qualify<\/a> you for the refinance or interest rate you need, you might consider increasing your score before applying.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>You can do this by:<\/b><\/p>\n<ul>\n<li>Paying down your balances<\/li>\n<li>Settling any late or overdue accounts<\/li>\n<li>Reporting errors you find on your credit report<\/li>\n<li>Asking for a credit line increase on an existing account<\/li>\n<li>Becoming an authorized user on a high-credit borrower\u2019s credit card<\/li>\n<\/ul>\n<\/div><\/div>\n<p>It\u2019s critical to compare multiple lenders so that you can find the best rate for your situation. Credible can help you streamline the process by filling out a single form instead of many.<\/p>\n<div id=\"credible-rate-table\"><\/div>\n<p><script>\n      window.credibleAsyncInit = function() {\n        CredibleSDK.initWidget('#credible-rate-table', {\n               environment: 'production',\n  \t    product: {\n  \t       marketplace: 'mortgage-combined',\n  \t       type: 'rate-table',\n  \t       variation: 'shortened',\n               loantype: 'refinance',\n  \t    },\n          analytics: {\n             source: 'credible_blog',\n          },\n  \t    });\n        CredibleSDK.initWidget('#mortgage-combined-rate-widget-simple', {\n               environment: 'production',\n  \t    product: {\n  \t       marketplace: 'mortgage-combined',\n  \t       type: 'rate-widget',\n  \t       variation: 'simple',\n  \t    },\n          analytics: {\n             source: 'credible_blog',\n          },\n  \t    });\n      };\n<\/script> <script async defer src=\"https:\/\/sdk.credible.com\/sdk.js\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your credit score plays a big role in your ability to qualify for a mortgage, as well as how much it will cost you. And refinancing is no different. When you refinance your existing mortgage,&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/credit-score-to-refinance\/\">Continue reading<\/a><\/p>\n","protected":false},"author":101,"featured_media":42971,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1570,1463],"tags":[1521,1525,1538],"class_list":{"0":"post-42969","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-mortgage-refinance","8":"category-mortgages","9":"tag-mortgage-rates-sidebar","10":"tag-mortgage-refinance","11":"tag-refi-requirements","12":"credit-score-needed-to-refinance-your-home-2","13":"post_tag-mortgage-rates-sidebar","14":"post_tag-mortgage-refinance","17":"post_tag-refi-requirements"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Score Needed to Refinance Your Home - Credible<\/title>\n<meta name=\"description\" content=\"Your credit score can influence your ability to qualify for a refinance, as well as the rate you get. 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Here are the credit score minimums you\u2019ll need to meet for the different types of loans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/mortgages\/credit-score-to-refinance\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-08-28T21:39:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-07T20:53:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/08\/credit-score-to-refinance.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1476\" \/>\n\t<meta property=\"og:image:height\" content=\"590\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Aly J. 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