Refinancing your home may be easier than you ever thought possible–even if your credit is less than perfect. This article offers information on applying and qualifying for a home mortgage refinance with bad credit.Bad credit doesn’t need to prevent you from refinancing your mortgage. There are many lenders out there who will be more than willing to work with you to get you the refinance mortgage loan you need to lower your interest rate, change your monthly payments, and if necessary, provide you with cash at closing.What Bad Credit Means to Your RefinanceBad credit won’t necessarily stop you from getting approved for a refinance mortgage loan, but it will affect the amount of interest you pay. The worse your credit is, the higher your interest rate will be. If you are in a position to do so, you should try to improve your credit score before applying for a refinance loan.Applying for a LoanIf you are attempting to get a home mortgage refinance with bad credit, you may need to work with a lender in the sub-prime market. Though most lenders are reputable, you may want to do some research and shop around before settling on any one lender. The last thing you want your refinance to do is get you further into financial trouble.After RefinancingSometimes when you get a home mortgage refinance with bad credit, you end up paying more in interest than you would like. If this is the case, you will want to consider refinancing in another year or two. By then, you will have improved your credit score by making regular payments on your refinanced mortgage.