Refinancing in this situation you will save about nothing to seek a refinance loan.

Use the 80/20 mortgage you avoid paying private mortgage insurance that can add your frequent mortgage payment.

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If you can think of an employer, family friend or other respected person who can vouch for you in writing, and then approach them to see if they are open to write this letter to you and help you refinance with bad credit this way.
Maybe you have bad credit when you took your car loan, and now that your credit has improved, you want to refinance at a better interest rate.
The inventory in the hardest hit states, such as California, Florida and Utah is truly impressive.
For numbers you can rely on, you have to give the most accurate information.