The team at Best Refinance Rates has spent hours researching the credit score requirements of each of the top lenders in order to figure out which ones best serve homeowners with lower credit scores. To make sure we only include the best companies in the industry, we consider the lowest accepted credit scores and the rates homeowners with lower scores tend to receive from each company. It’s important to keep in mind that certain types of loans have minimum credit score requirements, regardless of the lender, which means homeowners with scores below a certain number may not be eligible until their score is improved. Based on our research, we’ve created the ratings and reviews you see here as convenient guides to the companies that have the most to offer for homeowners with lower credit scores.