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Bad or Damaged Credit Loan Qualification Assistance

With you may qualify for great rates with low down payments for situations when you have had difficult or poor credit.  Although FHA loans have credit score restrictions and conventional loans are liberal when it comes to credit collections, you owe it to yourself to apply today for home loan approval with

Click the following links to read about some of the home purchasehome refinance, and home equity loan options available for various credit situations. Or simply call or submit your online application today.

Below are some of the credit situations that a loan specialist may be able to shed some light on when it comes to home loan financing:

  • Past Foreclosures
  • Past Bankruptcies
  • Credit Collections
  • Repossessions
  • Tax Liens
  • Judgments
  • Past Due Payments
  • Delinquent Student Loans

When we discuss your set of circumstances, it’d be helpful to have as many supporting materials, or documentation, available. Please provide as much documentation regarding your credit issues so we can fully understand the extent of the situation.

While we may be able to assist you with a mortgage loan for any of the above situations, we also want to help you by providing tips to improve your credit score. Your credit score is one of the main factors that we assess. Below are some tips.

  • It’s important to pay your minimum balances in a timely manner. And if possible, pay more than the minimum balance each month.
  • Reduce large balances on your credit cards.
  • Avoid applying for new credit cards especially before you go house hunting.
  • Get a free copy of your credit report and check for any mistakes, which may be negatively impacting your score. If you see any errors, contact the credit reporting agency and request a correction.


Our specialists can help explore mortgage loans for people with poor credit. Please contact us today so we can provide a consultation.


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Current Rates

Type Rate APR
Conv. 30 Year Fixed 3.375% 3.540*%
Conv. 15 Year Fixed 2.750% 3.090*%
Conv. 5 Year ARM 2.875% 2.875*%

As of Thursday, October 20, 2016

More rates - Click here
*All rates above quoted with 1% origination
*20% Equity with loan amounts of $165,000+
*Subject to credit & income requirements
Click here for rate conditions