You don’t need perfect credit to refinance — and that’s one of the biggest myths in mortgages. • Credit score dropped after buying the home • Late payments in the past but stable now • High utilization hurting your score • PMI still on your loan • Feeling “stuck” because rates changed Refinancing is about overall loan strength, not perfection. Equity, payment history, income type, and program selection matter just as much as your score. Many homeowners qualify with average or recovering credit w

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