Did you know that your credit score can improve over time?  Many first-time homebuyers have a lower credit score, causing them to finance at a higher rate.  However, if your credit score has improved when it comes time to refinance, you may be able to take advantage of a higher credit score to lower your interest rate. 
If your credit rating has improved since you first took out your loan, talk to a Directors Mortgage Professional about getting your hard work to pay off.

>> How to improve my credit score

>> Contact a Directors Mortgage professional