Are you “worthy?”
Get a copy of your credit score. You’re going to need to know what you’re up against. MyFico.com is from the people who actually compute that all important number.
Equally important is your debt to income ratio. Depending on your score, you may need a 30/70 ratio to be considered for a refinance. Your debt will be anything secured (a mortgage) or unsecured (credit cards). Be sure and calculate any car payments, child support and/or alimony payments, timeshare payments … anything you make on an ongoing basis.