Fixed Interest Loan Low Rate With The Federal Interest Rates So Low Can I Refinance Into A Lower Fixed Rate With Not So Good Credit?

With the Federal Interest rates so low can I refinance into a lower fixed rate with not so good credit? - fixed interest loan low rate

I bought my first house my parents, there are about 2 years. The loan was 8% at a time. With interest rates so low, you can refinance my federal loans at a fixed interest rate lower with lower ratings. I have a bit of my mortgage lates designation of housing this year, and revenue accounts. Am I doomed?