Credit Problems

Low Credit Score Home Loans and the Mortgage Lenders that Offer Them

Millions of American consumers are looking for low credit score home loans that obtainable and affordable. Has your mortgage application been turned down? This can be really upsetting too many people, but you should not despair. Just because you were turned down by a lender for a mortgage loan with low credit scores does not… Read More »

3 Real Solutions for Bad Credit Home Loans

Americans who have poor credit have long felt shut out of the house buying market, but new bad credit home loan programs may offer opportunities that were previously unavailable. After the financial crash of 2008 and 2009, many subprime mortgage loans disappeared. With millions of Americans hindered by low score, the demand for poor credit home… Read More »

5 Ways to Buying a Home after a Bankruptcy

Typically after recovering from bankruptcy people ask me how long it will take to qualify for a mortgage loan or how long after a bankruptcy to buy a home. Banks and mortgage lenders understand that it is normal for good people to go through financial hardships and that’s why they extend credit opportunities with new… Read More »

New Options for Bad Credit Mortgage Loans in 2017

Many lenders are reporting easier credit standards with bad credit mortgage programs becoming more available for home buyers and homeowners in 2017. There are still millions of renters looking to buy at an affordable rate and existing homeowners seeking to refinance with the goal of reducing their housing expenses before interest rates rise. For potential… Read More »

Pros and Cons of Refinancing a Mortgage with Bad Credit

Interest rates in 2017 are still low, with even poor credit mortgages currently at affordable levels. That is the reason that so many people are still thinking about refinancing their mortgage into a lower rate. If you can refinance into a lower interest rate, you will be able to enjoy a lower payment, and most… Read More »

Secrets to Buying a Home with Bad Credit

Home-ownership in America is at the lowest point in decades, as many people are struggling with low credit scores after the recession. Many people may wonder if they will ever be able to become a homeowner. Learning how to buy a home with bad credit is essential for people with past credit issues who are… Read More »

How to Get a Mortgage After a Bankruptcy or Foreclosure

It is not easy to refinance a mortgage if you have had a bankruptcy or a foreclosure, but the good news is it is not impossible by any means. How easy or difficult it will be will depend upon several factors, such as the type of bankruptcy you had – 7 and 13 are the… Read More »

4 Obstacles to Refinance with Bad Credit You Can Overcome

Refinancing your first mortgage has the potential to shave hundreds of dollars per month off of your mortgage payment. Even better, if you are seeking a home refinance with bad credit, potentially you could save thousands in interest over the life of the loan. However, if you have average or bad credit, you may have… Read More »

Top 5 Reasons Refinancing is Great for Consolidating Credit Card Debt

by Tom Murphy NMLS # 662141 Home Services Lending Carlsbad, CA Most Americans have several credit cards, and most people have thousands of dollars of credit card debt at high interest rates. Not surprisingly, when juggling mortgage payments, credit card payments, car payments and all the other bills of daily life, it can be easy… Read More »

Refinancing with Poor Credit Never Seemed So Easy

by Dusty Brazil CA BRE #01780273 Pacific Sotheby’s International Realty Del Mar, CA 92014 Mortgage rates are very low, and so are mortgage refinance rates. Refinancing your mortgage is often a good idea if mortgage rates are lower than when you took out your loan. Refinancing can reduce your monthly payment by $100 per month… Read More »