At Rocket Mortgage, you’ll need a credit score of at least 620 and a maximum loan-to-value ratio (LTV) of 95% to refinance a conventional loan. However, credit score requirements may vary slightly depending on your lender.
If you feel your credit score is in poor condition, check with your lender to see what your options are. You may be able to still qualify for other options, such as a VA or FHA loan.