Our mortgatge is currently in my name only because I bought the house prior to getting married. The deed to the house is in both of our names. Due to a long list of pre-marriage mistakes, my credit is terrible. I'm finally up to 630 through Equifax, but hanging in the high 500s with the other 2. My husband is over 700 across the board.
Our current mortgate rate is 6.25% (house was purchased 12 years ago). Our bank is offering refi rates as low as 3.5%. Is it possible to refi the house into my husbands name?
