Answer: -Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved onarrange loans or other finance, and usually means you will pay more interest on any loan you take out. -You can typically get a bad credit refiance if you have equity in your home to secure the loan. If your FICO score is low, usually under 680, you'll have to pay higher rates to do so, however. You'll want to get what's known as a "cash out" refinance to enable you to extract some of that equity for your home repairs. Be careful when refinancing, especially if you've gotten into credit problems in the past.Once you refinance your mortgage and take out the equity, you are kind of putting your backs against the wall, so to speak. You now have no more available equity in your house. If the circumstances that conspired to get you in credit problems aren't solved, or if they resurface, you could easily lose your home to foreclosure. Making sure your financial house is in order is vital, lest you lose the home you used the money to repair.With the recent problems in the subprime mortgage market, lenders are getting more picky about who they lend money to, so be prepared to do more legwork in order to get a favorable refinance.