Find a recommended lender in your area to speak with. There are many options out there for refinancing but it is always recommended to go and see a lender.
They will be able to give you guidelines and goals. They will also advise you on what the best program out there for your situation is!
Source: http://www.zillow.com/advice-thread/I-have-a-mid-credit-score-of-643-Can-I-get-approved-by-FHA-loan-if-I-want-to-refinance-my-home/468148/
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