A Mortgage Company For People With Bad Credit

Do you happen to have “less than perfect credit” or “bad credit”?  There are many homeowner’s or potential homeowner’s that don’t have great credit and locating a new mortgage might seem impossible.  Just because you have less than perfect or bad credit does not mean you can not obtain a new mortgage.  There are many loan programs available to those that have late payments, collection accounts and/or judgments and liens.

The key for someone in this situation is to be realistic and only work with mortgage companies that have a stellar reputation.  Before even considering getting a quote from a mortgage company go to the Better Business Bureau (BBB) and Business Consumers Alliance (BCA) websites to review their rating.  If it’s not a high rating and/or they are not even listed I would be extremely careful working with them.  There are a lot of people that will try and take advantage of your current situation so it’s super important you only work with a reputable mortgage company.  Some websites offer online reviews but keep in mind those reviews may not be real so use your best judgment when it comes to reading them.

When considering a new mortgage be realistic and understand that the best advertised mortgage rates that some lenders put out there are probably not going to be the terms you receive.  Be open to a FHA mortgage even though you may not like paying mortgage insurance.  FHA mortgage rates w/ the mortgage insurance premium added in are generally more attractive to people with bad credit when compared to conforming loans (especially those seeking cash out on a refinance transaction).

If you would like to discuss  your current situation and/or obtain a no cost – no obligation quote than feel free to contact us directly at 1-800-550-5538 or via the side bar where it says “Quick Quote”.  We’re happy to answer any questions you may have and we’ll work hard to earn your business.  We offer a streamlined process and we have a top rating with the BBB and BCA.  Also we’ll look to the future and tailor your current transaction to meet not only your short term goals but long term as well.  We don’t charge any junk fees and we’ll clearly explain the details of our quote.