If credit isn’t in good stance, it’s difficult to refinance home loan.
Moreover, if you are interested in refinancing, you have to analyze what you are going to achieve by refinancing home loan.
If you are interested in reducing your payments you should find a lender offering a lower rate. The most immportant fact is that rate is related to credit score.
If your aim is to achieve debt freedom sooner, the best solution will be new loan that offers shorter repayment program. In this case the costs of the loan will be lower but monthly payments will be higher.