Sometimes. If you have an FHA loan, for example, you could get an FHA Streamline Refinance loan without a credit check — assuming you have made the last six months’ payments on time and that you’re able to get a lower refinance rate or lower monthly payments in the process. A VA loan also has its own Streamline refinance program, the VA IRRRL. But you’d need to go through the credit qualification process to get a cash-out refinance or to get a new type of loan: Replacing an FHA loan with a conventional loan without PMI, for example, would require a 620 credit score or higher.