What is the best way to refinance your home with a lower interest rate if your credit isn't the best?

I was wondering what is the best way (who to go to) to try and refinance your home with a lower interest rate. I have no clue where to go! The credit score is pretty low, but still need to lower monthly payments. Serious answers only please and thank you! It’s not ME that didn’t [...] http://bit.ly/rdtjsj