BAD CREDIT LOANS

1 Day out of Bankruptcy - In or Past Foreclosure - 100% Financing Available!

The Mortgage Group routinely help clients with less than perfect credit. We realize that there are unexpected problems that happen to good people. It doesn't take much to get behind in your debt obligations.

Bad credit lending, or what our industry calls B-C lending, have several factors that effect your rate, term, points, etc. The most important aspect regarding your personalized program is your credit score. Other factors effecting our underwriting decision are:

• Value of your property
• Length of the time since your bankruptcy
• Down payment
• Property type
• Debt to income ratios
• Open Judgments, Charge Offs, Collection Accounts
• State or Federal tax Liens
• Number of times you have been late on your mortgage or rent within the past 12 months
• Job history

As you can see there are many factors that effect your mortgage. We have programs that look at all the above factors.

After our personal and private interview, we will have a better idea of how to solve your problem.

We have programs to fit many different loan scenarios. Whether you are purchasing a home for the first time, or refinancing your existing home to pay off harassing creditors, we can help. It all starts with our application. Normally B-C loans close very quickly, a four week process is our norm.