Can I buy a car or refinance my home with a 682 credit score. I am currently in a chapter 13 payoff program (3 years now) to the courts but have perfect payment history.

According to our friends at Independent Mortgage, you can refinance your home if you have enough equity in the home. They suggest a LTV (loan to value) of 80% or less. In addition, your DTI (debt to income) should be 35% or less.

Finally, they want to point out that this loan may be expensive. You won’t be getting the very best rates and there may be considerable closing fees but it is possible to refinance with that credit score.

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