How can we refinance with low and fair credit scores?
Our current loan has a 10.999% Interest Rate since 2002. We can not find any bank to refinance due to my spouse's low credit score and mine is just fair. This is due to the place we both worked in 2008 closed and we have to let a couple of debts go and we were advised by NovaDebt who we turned to when we lost our jobs, however we have managed to pay out home mortgage. Please advise. Our home value is approx. $80 - $90K
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