Have you ever wondered how you even start looking to refinance your home with bad credit?Your current home lender and others that you have approached just consider you “too high a risk” and the fact that you have bad credit or a poor credit rating is just holding you back. Every month it’s getting harder to meet the demands of all your mounting bills and no-one seems willing to help you!You know that your mortgage rate is the lowest interest rate you are being charged out of all your debts. So Let me see, I don’t know, maybe you’ve got a car loan, numerous credit cards, taxes, insurance and your home loan to worry about. The easiest thing to do would be to consolidate all your debts into one monthly mortgage repayment. If you could refinance your home and add all your other debts in, that would mean that you would get everything in one place, so only one payment to worry about. The interest rate of your mortgage, as I mentioned above is going to offer the lowest interest rate of all your creditors, so this means your overall monthly expenditure will be cut down significantly. Which finally, of course, means that you will have more money in your pocket, peace of mind and be able to live life a lot happier!However, you always end up back at square 1 again. You have the perfect plan, but you are stopped in your tracks because no-one is willing to refinance your home for you as you have bad credit. Oh No! Hold on! That’s not strictly true..is it? You have recently started spotting adverts on the TV or in your newspaper, or even received the odd cold-calling salesperson. Finally, Lenders who are willing to loan you the money. Then comes the catch. You can have everything you dreamed of. You can get that refinance home loan, but then you discover the ridiculous fees and interest rates involved and you could end up actually being even worse off.So What You Do?It appears there are many intermediary companies and organizations, who are willing to help people in your plight. They will usually gather certain financial details from you and match you to lenders and even open up their database of lenders to you, offering online and in some cases telephone support. The company usually charge a very small one-time fee at the outset for you to secure access to the database of lenders and to provide ongoing assistance, but this can open up a whole new world to you. Not only will you be able to find numerous lenders willing to help you Refinance Your Home even with Bad Credit, you will get access to a number of unknown government resources that can also aid you in obtaining that Refinance deal.The great thing is, the majority of the lenders held on these database really want to help you and most times at very reasonable rates of interest. OK let’s be honest, you may not get the same rate of interest as when you had “the perfect credit rating”, but it still doesn’t have to be extortionate..does it? These organizations that provide this service are truly a blessing!