 TITLE: How to Choose the Right Lender for a Mortgage Refinance CONTENT: Check Your Credit Before Applying for Your New Loan\n---------------------------------------------------\nBefore you start the refinance process, you should check your credit reports and scores to get an idea of what lenders will see when evaluating your application. If you don't like what you see, you still have time to address the negative factors on your credit report before submitting your refinance application.\nRemember, the process of refinancing is very much like applying for a conventional mortgage, and the better your credit score, the more likely it is you'll be able to get the best terms on your new loan. If you have good credit, use this to your advantage and try to negotiate with the lender for the best APR and terms possible.\nIf you check your credit and see any inaccurate information, make sure to begin the dispute process with any of the credit bureaus (Experian, TransUnion or Equifax) where the mistake appears. You can get a free copy of your credit reports and scores from Experian to see what shape your credit is in. Experian credit monitoring can help you better keep tabs on your credit and will quickly alert you to potential fraud or identity theft. END