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How does my credit score affect refinancing?
Your credit score directly affects the interest rate you'll qualify for. A score above 740 typically unlocks the best rates. Even a 0.25% rate difference can save tens of thousands over the life of a loan.
Find your refinance break-even point and total savings over your loan.
Use the Refinance Break-Even Calculator →By Sean Baldwin · Last reviewed July 2026 · Part of the Refinance Break-Even Calculator guide.