The appendages of the integumentary system are comprised of hair, nails, hooves, scales and feathers. However, the appendages, found in humans, include nails and hair, while hooves, scales and feathers are present in the nonhuman animals.
Scores below 600, on the other hand, indicate high risk to lenders. Lenders evaluate your three credit scores when deciding if you are a safe investment. Although each lender has its own standards, a credit score of 620 is considered a minimum to apply for a refinance. Obviously, the higher your credit score the better.
Conventional Loan Requirements. 1  Credit: Generally, borrowers should have a credit score of at least 620 with a solid credit history in order to refinance, though higher credit scores will make available better interest rates. 2  Equity: In order to refinance, borrowers need to own at least 10% of the equity on the property.