my house is paid off but i am low on money with a set retirement. my credit score is 476. Is there any refinancin that can be done

Hi Kathisellars,

With a credit score of 476 you have very less chances of qualifying for a refinance. However, there are many such mortgage companies which provide you with a debt counseling program, so that you can pay off your debts, and improve your credit score.

Thanks,

Sandra

With a low credit score of 476, it won't be possible for you to get a mortgage refinance. You will have to improve your score first and then look out for a mortgage. You would require a score of 700-720 in order to get a conventional loan. For FHA loans, you would require a score of 620. You can check out the given page in order to improve your score:
http://www.mortgagefit.com/credit-rating/credit-repair.html

Your house is paid off and you are retired. I do not do reverse mortgages. They do not have a credit score requirement.

If you are over the age of 62, contact Raymond Denton at 949-400-1729 or email him at raymond@denton.org

He is a conributor to this forum. He has just not yet seen your question.