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"I was very hesitant about refinancing over the Internet, but LCD put all my fears to rest! The quick response from knowledgeable lenders made for a great experience."
Beth H., Maryland
"The offers I received helped me save hundreds on my monthly payments by consolidating all my debt. I never thought IÕd get my debt under control until I found LCD!"
Jeremy B., Florida
"This is a great site to compare mortgage loans and mortgage quotes. The service is great and easy application to follow."
Stacy R., California
Refinancing Your Home With a Bad Credit Score
Your financial situation may have changed since you first purchased your property. Your credit may have taken a turn for the worst after falling behind on payments or relying on a large portion of credit card debt during financial hardship.
Refinancing your existing mortgage to take cash out of your home for a home improvement project, credit card debt consolidation or other purposes can help you save on your monthly payments.
The question you may be asking is "Can I refinance my home mortgage with my poor credit score and still receive a good rate?"
Save hundreds on your monthly payments.
Receive up to 4 free quotes.
We'll get the offers, you choose the terms.
Loan type
Property State
Select
Refinance
Debt Consolidation
Home Equity
Buying a Home
Select State
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Vermont
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Washington
West Virginia
Wisconsin
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Credit Rating:
Excellent 700+
Good 600 - 699
Fair 500 - 599
Poor 499 or less
Get your finances back on track.
Reduce your debt and save on your payments.
3 agencies will help discuss your options.
Amount of credit card debt:
Other unsecured debt:
Credit Card Debt
5,000 - 7,499
7,500 - 9,999
10,000 - 12,499
12,500 - 14,999
15,000 - 17,499
17,500 - 19,999
20,000 - 24,999
25,000 - 29,999
30,000 - 34,999
35,000 - 39,999
40,000 - 44,999
45,000 - 49,999
50,000 - 59,999
60,000 - 69,999
70,000 - 79,999
80,000 - 89,999
90,000 - 99,999
100,000 +
Other Debt
0
1 - 2,499
2,500 - 4,999
5,000 - 7,499
7,500 - 9,999
10,000 - 12,499
12,500 - 14,999
15,000 - 17,499
17,500 - 19,999
20,000 - 24,999
25,000 - 29,999
30,000 - 34,999
35,000 - 39,999
40,000 - 44,999
45,000 - 49,999
50,000 - 59,999
60,000 - 69,999
70,000 +
Current payment status:
Payment Status
Current
About To Fall Behind
31+ Days Behind
61+ Days Behind
Don't worry, with Loan Choice Direct the answer is "YES".
Contrary to popular belief, your life will not come to an end when your credit score drops below the magic number 670. Yes - it is true that credit score has an effect on the interest rate of your loan, however LCD is here to help.
By filling out our
quick and easy application
, one of our loan specialists will search our Premier Lender Network to supply you with up to 4
FREE
quotes.
That's right - our quotes are completely free with no obligation. We'll supply you four great offers and you can chose the one that best suits your needs.
Are you having trouble paying those high interest credit card bills?
Consolidate now
by using your home's equity to get a lower rate and save on your monthly payments!
Tips on Finding the Best Rate With Bad Credit:
1. The secret is to find a company that specializes in low credit score refinance loans. Here at LCD, our goal is to find you the best rate possible, regardless of your credit score.
2. Make sure to fill out all the information on your application completely and accurately. By providing us with all your accurate information, we can help assure that the quotes you receive are the best rate possible.
3. Don't try to falsify any information on your application when you have a "poor" credit rating (any credit score below 600). We will send your application to one of our loan specialists who is an expert in bad credit refinancing. Credit score is not the only factor when it comes to finding a loan, so do not lose hope simply because of your low FICO score.
Rates are the lowest they've been in close to 30 years.
Refinance now
to get a lower rate, save on your monthly payments or lock in with a fixed rate now!
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