We help people find bad credit lenders offering solutions for refinancing or buying a home with bad credit. We help consumers who may have been turned down for a home loan because of low credit scores or lack of equity in their property find lending companies that extend loans to people with challenged credit. Choose from 2nd mortgages, FHA, VA and hard money programs for refinancing. If you want help buying a home, compare our home purchase options that are perfect for 1st time home buyers or for consumers seeking a 2nd chance. Bad Credit Loans & Mortgages is proud to post info on the home loan program to100% that is guaranteed by the VA. If you are trying to escape a bad credit second mortgage, some of the FHA refinancing options may provide a new opportunity for qualified homeowners who have fallen behind on their adjustable rate mortgages. Whether you need to renegotiate your interest rate or are seeking the opportunity to refinance a bad credit mortgage loan, we have the government and subprime lenders prepared to help you with a solution that makes sense for your budget. Now is the time to consolidate bad loans and high rate debt into an affordable monthly payment that helps you live below your means. We can introduce you to some of the only bad credit mortgage companies left who have experience with government financing and private money lending. Take advantage of these high risk lenders and get a free quote regardless of your fico scores or history of bad credit.

Consolidate your credit card debt with our low interest loans insured by FHA that may be available even if your credit score is low and you have been late on your adjustable rate mortgage payment. Compare which government mortgage loan is right for you. The FHA has been providing secure loan opportunities for several generations. In some cases, they extend a forgiving mortgage for homeowners looking to refinance with bad credit scores, but there are specific qualifications that must be met, so check with your refinancing advisor for more details. Now is the time to take advantage of expanded bad credit lending programs and some of the lowest interest in years. Even with past credit problems, in some instances people have been able to re-establish their credit while consolidating their debt at the same time. |
FHA Loans with Bad Credit - A few years ago, HUD introduced a new FHA refinance loan that may help prevent thousands of foreclosures with a simple fixed rate solution. If you already have a lien that is insured by FHA, you may qualify for the streamline loan as well. Get matched with lenders offering FHA mortgages for people with bad credit scores. The minimum fico score needed with FHA is still only 500, so discuss your eligibility mortgage lenders for bad credit. Find out if these government loans are a good financing fit for your situation. VA Loans for Bad Credit - Borrowers with a military background have always had a significant edge over non-veterans when it comes to home buying and refinancing because the Veterans Affairs has always provided aggressive lending with little concern for credit scores or down-payment requirements. Mortgage loans with bad credit is now possible for qualified Veterans seeking for a VA streamline or 100% mortgage with no money down. No equity is required and refinancing with no appraisal is available to qualified military vets. |
FHA Refinance - Debt Consolidation - 100% Financing Home Mortgage for Bad Credit |
Equity Loan Interest Rates - Learn more about what is needed to qualify for prime rates with fixed monthly payments. Did you know you can use the equity in your home for construction, investments, or consolidating debt? Even the interest rates on home mortgages with bad credit remain at record lows. |
The Payment Choice Mortgage - starts off with some low rate options but the borrower can experience an increase in their principal balance. This home loan offers more choices and flexibility for homebuyers looking for the low payment options. Most financial advisors are recommending fixed rates in today's market. People with low credit scores generally benefit from consistency with their monthly housing budget. |
Learn more about methods to get rid of the credit card debt that is available to qualified homeowners. Yes refinancing can underscore reducing debt, fixed interest rates and tax deductibility! More Good News! Several lenders announced new programs for underwater refinancing have been extended! If you have a mortgage that is greater than your house's appraised value, ask about the HARP 2.0 program! |
Second Mortgage Rates - Learn more about what it takes to get funds for home improvements without refinancing your first mortgage. Are you looking for the lowest rates online and choose from fixed or adjustable interest rates? It makes sense to find out what you qualify for. Bad credit second mortgage options may have changed so check with a loan officer regarding program availability. |
Hard Money Home Loans - If other lenders have turned you down, because your credit score is below 500, consider our alternative loan financing with hard money sources that fund bad credit mortgages. Private money lenders offer hard money programs to people with really poor credit histories that have a good amount of equity in their home. First Time Home Buyer Loans for Bad Credit - Find approved FHA lenders that offer loans for first time home buyers who have below average fico scores. We provide 1st time home loans from popular programs sponsored by Fannie Mae, Freddie Mac and FHA. In most cases, 1st time buyers with low fico scores choose the bad credit FHA mortgage because the minimum scores start at just 500. |
Home Loan and Credit Card Delinquencies Fall - TransUnion Corp. reported that home loan and credit card delinquency rates of declined during the second quarter in the United States. It's no secret that many lenders are considering rolling out some new mortgage loans for people with bad credit in 2013 and 2014, but performance results must improve. The national delinquency rate on home loans--or the rate of borrowers at least 60 days past due, dropped for the 2nd consecutive quarter, to 4.49% from the 4.78% rate in the first quarter. Between the first and second quarters of last year, 45 states reported a drop in their delinquency rates on home mortgages, and 76% of metro areas reported lower delinquency rates last quarter. Read the WSJ article online. |
Common Bad Credit Loan Options for Homeowners Seeking Affordable Financing |
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Mortgage Refinance |
Debt Consolidation Loans |
Bad Credit Home Loans |
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Jumbo Mortgage |
Bad Credit Second Mortgage |
Interest Only Mortgage |
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