Can you refinance a house with a bad credit score?

We currently have a 3 year balloon term, but I would like to refinance to a traditional mortgage amortized over 30 years. We got this loan only because we had bought the house on contract and the bank it was at let us do this, to get it in our name. Are refinances any different than trying to get a mortgage? Our... show more We currently have a 3 year balloon term, but I would like to refinance to a traditional mortgage amortized over 30 years. We got this loan only because we had bought the house on contract and the bank it was at let us do this, to get it in our name. Are refinances any different than trying to get a mortgage? Our credit scores are less than 620 most likely but higher than 575
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