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WebBorrowers with poor credit below the low 600s may need to borrow from "hard money" lenders. These loans have LTV limits of 50 percent or 70 percent and higher-than-market interest rates. References WebJul 28, 2024 · You should refinance with bad credit if you’ll break even on the closing costs before you sell your home. You can calculate your break-even point by dividing the total closing costs by the amount you’ll save monthly. For example, if you spend $7,500 to save $300 per month, you’ll recoup the costs after 25 months. excellent for posterity
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