You could seek out refinancing that would extend the maturity of your mortgage and this would result in lower payments and allow more time to bring up your credit scores. (badcreditloanservices.com)
And in many cases, they'll extend the maturity date of the loan. (arklawgroup.com)
Thus, there's an extra 10 basis points a year currently available by extending the maturity from 10 to 15 years. (cbsnews.com)