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Bad Credit Mortgage

Find a Mortgage, Even with Bad Credit

Are you looking for a  bad credit mortgage? Do you know the threshold between good credit and bad credit? A credit score below 620 will put you in the category of having "bad credit", and will mean an additional 3% on your mortgage interest rate, at minimum. Please see the section on the bottom of this page if you want more information on repairing bad credit.

We realize that repairing bad credit takes time, and you may need a mortgage before you have time to turn your credit around. Here is a list of bad credit mortgage loan lenders that provide mortgages for people with bad credit:

Bad Credit Mortgage Lenders:

 

Our top choice for bad credit mortgages is America's Lending Partners:

America's Lending Partners

America's Lending Partners was founded in 1999 to provide homeowners with a fast, convenient way to obtain a home mortgage. Since then, they have served over 500,000 homeowners with all credit types.

America’s Lending Partners has made searching for the best rate and exceptional service effortless. One form gives you up to four competitive offers from hundreds of the nations most prominent and respected lenders. This is especially helpful for those with less than perfect credit. Rather than be at the mercy of one lender and have to pay whatever high rate of interest that is offered, you can choose the best mortgage offer from among several.

Founded by former executives of the Money Store and FIRSTPLUS Financial, America's Lending Partners prides itself in understanding what the homeowner wants. They understand and specialize in the mortgage business, including bad credit mortgages. Their vast mortgage expertise allows delivery of higher-quality referrals with fewer rejections. Since they don't maintain any affiliations with their bank or lending partners, you can rest assured that they're not going to push specific lenders on you just to fill a quota.

America’s Lending Partners is fully licensed and bonded, and Better Business Bureau approved. This is a FREE service to all homeowners, regardless of credit. Their service is the perfect solution for those looking for a  bad credit mortgage. By evaluating up to four mortgage loan quotes, you can plan your future investments more wisely. Complete their free online form today, and lock in at a competitive mortgage loan rate.

More Bad Credit Mortgage Lenders:

Another select lender for a bad credit mortgage is ING Direct. They have a consistent track record of helping people with all credit grades get the mortgage they need. Their staff is fast, friendly, and knowledgeable. To apply at ING DIRECT Orange Mortgage, simply click on the hyperlink and you'll be brought to their application page. They have a free, easy online application and they accept all credit grades.

Ameriquest Mortgage is another lender that has been very aggressively helping people with bad credit refinance their mortgage. Refinance Now. Bad Credit? No Problem. They do the paperwork! If you have bad credit and are looking to purchase a home, Ameriquest is not your lender, as they specialize in refinancing bad credit mortgages and don't have the lending procedures to handle bad credit requests for new home purchases. 

Lending Tree has one of the largest network of lenders and will provide you with up to 4 bad credit mortgage quotes within minutes. They happily work with people with less than perfect credit. You can apply at Lending Tree Bad Credit Mortgage Loans

Repair Bad Credit

The first step to repairing bad credit is to actually find out what your credit report says, as well as the information in your credit report (both good and bad) that is used to determine your credit score. While some sites will charge you up to $50 for this information, there is one site that will provide it for free. Click here to get a FREE Credit Score and Credit Report.

Once you have your credit score and credit report information, you'll need to make changes. However, improvement takes time. Don't expect to go from bad credit of 550 to good credit of 720 in a couple of weeks. If you've made multiple late payments in the past, one payment on time isn't going to overcome all the previous bad credit history. However, the more you implement changes, the more your credit score will improve over time. You'll eventually repair your bad credit and be left with a good credit report. Then you can convert your bad credit mortgage to a conventional mortgage and significantly reduce your interest rate. To find out exactly how to repair your credit, go to Repair Bad Credit.

For more bad credit loan options, you may want to visit Bad Credit Second Mortgage.

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The goal of our website is to help you get the BAD CREDIT MORTGAGE LOAN that you need now and to be the number one resource you use to improve your credit and obtain financing even when your credit is less than perfect. We are here to help!

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