The lender uses all the information to determine the amount of loan refinancing.

It will not help you refinance with bad credit, in fact, it will be very detrimental to your chances.

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Refinancing home loan is generally taken to repay the first home loan and continue the second loan with a favorable interest rate.
Be aware that "less" is not the same as "teaser rates" you get earlier.

Consult charged by different lenders and give a chance to compete to refinance your mortgage to your current lender mortgage rates.