The first thing to know is that refinance requirements vary by lender and loan program.
For instance, the requirements for a conventional cash-out refinance are tougher than those for an FHA Streamline Refinance.
And, one lender might be lenient on things like credit scores and loan-to-value ratios (LTVs), while another might be more strict.
If you don't meet all the criteria listed here, it's still worth checking with a lender to see what your options are.
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