Can you get a refi with a 485 fico score?My nephew wants to refi his current mortgage but, his wife is horrible with money/credit. She has ruined her credit and his. They both have good salaries and he has had to take her off his checking and savings accts. She has been late with the Mortgage payments until he took them over. His fico is 485 presently. Can he qualify for a decent refi rate without her name on the loan and do a quit claim deed to take her off the mortgage? (Of course with her consent.)September 06 2012 - Brunswick0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.