 TITLE: Your Guide to Refinancing a Mortgage With Bad Credit CONTENT: The Bottom Line\n---------------\nBad credit doesn't have to stop you from pursuing a mortgage refinance, especially if you're able to take advantage of a government program through the FHA, USDA or VA.\nBut carefully consider the costs of either a traditional or cash-out refinance once you've received offers. When you refinance, you should be able to enjoy a lower interest rate, monthly payment or a more stable fixed rate, if that was your goal. The costs of refinancing a mortgage with bad credit could offset those savings, so be sure you're clear on the fine print before agreeing to a lender's offer. END