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Bad Credit Mortgage

If you have experienced bankruptcy or have bad credit, you may believe that you will not be able to qualify for a mortgage. This is not necessarily true. There are many loans available that make it easier than ever to qualify for a mortgage. For example:

  • Federal Housing Administration (FHA) insured mortgage
  • Veteran’s Administration (VA) insured mortgage
  • Adjustable rate mortgages
  • Secured loans

Apply Here – Check out our short form – free quote request

By insuring home mortgages, the federal government has enabled lenders to relax their qualifications for certain low interest loans for low income families and for those with less than perfect credit. An FHA loan, insured through the Department of Housing and Urban Development (HUD), is an example of such an insured loan. These loans have low interest rates and very low down payments. The FHA stipulates that the monthly payment on the loan can not equal up to more than 29% of your monthly income and also has a limit on large these loans can be. A VA loan often requires no down payment and has very low interest rates. This loan is available only to those who have served in the United States military. For more information, refer to HUD’s website (www.hud.gov) or to the VA (www.homeloans.va.gov).

Secured loans, or loans that use a home or automobile as collateral, can help those with bad credit qualify for a loan because, like the insurance provided with FHA loans, this type of loan reduces the amount of risk to the lender. The benefit of this reduced risk is passed on to you through lower interest rates.

Owning a home is a dream that almost all of us have. Whether because you are tired of renting and landlords, or because you just want a place to call your own, buying a home is often the most meaningful purchase you can make. Bad credit should not stand in the way of your dream. Fill out our free short form to contact up to four lenders about your bad credit mortgage today.

 


4 Loan Offers – One Application
  • Expert lenders compete for your busines with low rates and great loan terms
  • Poor to Excellent credit borrowers welcome – low rate mortgage loans
  • No mandatory credit check – let only the lender you choose check your credit
  • Free evaluation of your borrowing options in a no obligation setting
  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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  Home Lending Resources
Bad credit mortgages are obtained every day thanks to the help of qualified mortgage brokers that specializing in helping those of us with financial trouble in our past… Refinancing your home is the key to consolidating other high interest debts into your mortgage to take advantage of lower interest rates. You can also take cash out of the equity in your home through a home equity loan to make home improvements… FHA continues to be an actively involved area of home loans. The Federal Housing Administration insures a wide variety of homes making it possible to pay less money down on your home and take advantage of superior interest rates on your loan…
The lowest mortgage rates on the market are obtained when you meet strict criteria laid out by lending institutions. A variety of factors beyond your credit history are taken into account to determine the relative risk of offering you a home loan… Bad credit refinancing can save you thousands over the life of your mortgage. If your mortgage interest rate isn’t less than 5% it’s possible that you are spending more than you have to on interest…

VA loans are home loans for veterans who have served in either piece time or war time conditions. These loans usually require little to no down payment and they are offered at lower interest rates. VA loans can be used to finance a new home or to improve a current home. ..

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