{"id":9558,"date":"2026-05-21T13:00:00","date_gmt":"2026-05-21T20:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/?p=9558"},"modified":"2026-05-21T13:00:00","modified_gmt":"2026-05-21T20:00:00","slug":"bad-credit-refinance-paths-worth-checking","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/bad-credit-refinance-paths-worth-checking\/","title":{"rendered":"Bad Credit Refinance Paths Worth Checking"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/refinance-home-bad\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Refinancing can still help with lower payments, cash access, changed terms, or PMI removal, but approval depends on loan type and full underwriting.<br \/>\nSome government-backed refinance options can be more flexible for weaker credit, while conventional refinancing commonly starts near 620 and improves with stronger scores.<br \/>\nClosing costs often equal ~2%\u20135% of the loan, so compare monthly savings, break-even timing, new PMI, and total interest before committing carefully.<br \/>\nA co-signer may strengthen income qualifications, not automatically transfer their higher score. Shopping multiple lenders with soft-pull prequalification helps protect credit during applications.<br \/>\nFor better refinance terms, prioritize on-time payments, lower utilization, error disputes, and fewer new accounts; many borrowers see progress within 3\u201312 mo.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Refinancing can still help with lower payments, cash access, changed terms, or PMI removal, but approval depends on loan type and full underwriting. Some government-backed refinance options can be more flexible for weaker credit, while conventional refinancing commonly starts near 620 and improves with stronger scores. Closing costs often equal ~2%\u20135% of the loan, so [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9559,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9558","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2ua","jetpack-related-posts":[{"id":9070,"url":"https:\/\/lisamillerpllc.com\/staging\/when-and-why-to-consider-refinancing-your-mortgage\/","url_meta":{"origin":9558,"position":0},"title":"When and why to consider refinancing your mortgage?","author":"admin","date":"January 6, 2026","format":false,"excerpt":"Refinancing a mortgage involves replacing an existing home loan with a new one, often to take advantage of lower interest rates, alter loan terms, access equity, or consolidate debt. Key steps include choosing the type of refinance, finding a lender, gathering documents, fixing the interest rate, undergoing underwriting, and closing\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9341,"url":"https:\/\/lisamillerpllc.com\/staging\/what-no-closing-cost-mortgage-refinancing-means\/","url_meta":{"origin":9558,"position":1},"title":"What \u201cNo-Closing-Cost\u201d Mortgage Refinancing Means","author":"admin","date":"March 14, 2026","format":false,"excerpt":"No-closing-cost refinancing is a term some lenders use to describe a refinance with fewer upfront fees, often by rolling certain closing costs into the loan balance or through lender credits that may be reflected in the interest rate. While it can preserve cash flow and reduce out-of-pocket costs at closing,\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-3.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-3.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-3.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-3.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-3.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9108,"url":"https:\/\/lisamillerpllc.com\/staging\/how-to-calculate-the-break-even-point-on-a-mortgage-refinance\/","url_meta":{"origin":9558,"position":2},"title":"How to Calculate the Break-Even Point on a Mortgage Refinance","author":"admin","date":"January 18, 2026","format":false,"excerpt":"Refinancing a mortgage can lead to savings, but it requires upfront costs that may take years to recoup. To determine the break-even point, add total refinancing costs and divide by monthly savings. Common reasons for refinancing include securing a lower interest rate, shortening the loan term, or accessing home equity.\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9183,"url":"https:\/\/lisamillerpllc.com\/staging\/how-to-refinance-a-mortgage-in-7-simple-steps\/","url_meta":{"origin":9558,"position":3},"title":"How To Refinance A Mortgage In 7 Simple Steps","author":"admin","date":"February 1, 2026","format":false,"excerpt":"Mortgage refinancing replaces your original home loan with a new one, often to lower monthly payments, reduce interest, or access extra funds. The process involves setting clear goals, finding a lower rate, providing thorough documentation, protecting your credit, locking in your rate, understanding the loan timeline, and preparing for closing.\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9408,"url":"https:\/\/lisamillerpllc.com\/staging\/what-to-know-about-mortgage-refinancing-and-common-refinancing-costs\/","url_meta":{"origin":9558,"position":4},"title":"What to Know About Mortgage Refinancing and Common Refinancing Costs","author":"admin","date":"April 5, 2026","format":false,"excerpt":"Refinancing replaces your current mortgage with a new loan, which may change your interest rate and monthly payment. Key factors include understanding your current loan terms, home equity, closing costs, and potential tax implications. Options can include fixed-rate and adjustable-rate mortgages, and some borrowers may be eligible for certain government-backed\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9345,"url":"https:\/\/lisamillerpllc.com\/staging\/what-affects-the-costs-of-a-mortgage-refinance-and-what-may-reduce-them\/","url_meta":{"origin":9558,"position":5},"title":"What affects the costs of a mortgage refinance (and what may reduce them)","author":"admin","date":"March 15, 2026","format":false,"excerpt":"Refinancing a mortgage may change your interest rate, access equity, or adjust loan terms, but it also comes with closing costs that can vary widely. These costs, often a percentage of the loan amount, may include fees like title insurance, appraisal, and origination, and some items may be negotiable. Factors\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-4.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-4.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-4.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-4.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-4.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/refinance-home-bad_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9558","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9558"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9558\/revisions"}],"predecessor-version":[{"id":9560,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9558\/revisions\/9560"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9559"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}