Been thinking about refinancing my mortgage, but my credit's kinda tanked lately (long story, ugh). Curious if anyone here's managed to refinance successfully with less-than-stellar credit. Quick poll: did you go through a bank, credit union, or online lender?
I'm in a similar boat—first-time homeowner here, and my credit wasn't exactly stellar when I bought. Didn't refinance yet, but I've heard credit unions can be more flexible than big banks, especially if you've got a history with them. Have you checked if your current lender offers any hardship programs or options for refinancing despite credit dips? Might be worth a quick call to see what's possible...
"Have you checked if your current lender offers any hardship programs or options for refinancing despite credit dips?"
Good call on checking hardship programs—sometimes lenders have options they don't exactly advertise openly. Also, have you taken a peek at FHA streamline refis? They can be pretty forgiving on credit hiccups, speaking from experience...
