HUD National Direct Lender
FHA,VA,Conventional and Sub Prime.
"Affordable Home Ownership!"
Get an approval by Phone in 5 Minutes
Call Jerry Vinett
1-888-503-8903
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Special Programs For Bad Credit
Bad Credit Mortgage
doesn't have to mean Bad interest Rate.
"We Say YES...Even if the BANK Said NO!"
If you've been turned down for a loan by your bank or mortgage company or you can't verify your income, if you have a poor credit history or a bankruptcy, we can help you get a mortgage! Those of you that are serious about a second chance to establish good credit have come to the right place!
If your credit score is at or below 650, you don't have what most lenders consider good credit and if your credit score is below 620 you will be unable to obtain a conventional loan at prime rates. You'll need to get a "bad credit mortgage." These Loans are sometimes referred to as subprime.
Conventional loans all meet essentially the same guidelines as to credit risks and interest rates so loan rates and fees are very similar from lender to lender. Subprime mortgages are tailored to a borrower's needs and credit history by a loan officer, so interest rates and fees often vary substantially.
Our mortgage PRO's can help you with options available to people with poor credit. When you're ready to begin shopping for a mortgage We offer ALL types of new home loans and refinance loans for both prime and subprime borrowers, AND they can provide very competitive bids for debt consolidation and home equity loans!
A I MORTGAGE Inc dba AMERICAN INDEPENDENT MORTGAGE ©2005
A I Mortgage Inc, Tennessee and Kentucky register HUD Lender (registrant) Missouri, Indiana, HUD Exemption. HUD 16545-0000-0. Colorado Exempt. as an associate loan officer for Columbia Trust Company A I Mortgage inc. is an approved mortgage originator in the following states, Alabama, Alaska, Arizona, California, Florida, Hawaii, Idaho, Maine, Massachusetts, Mississippi, Nevada, New Hampshire, New Mexico, New York, Oklahoma, South Dakota, Washington, Wisconsin, Wyoming,
Adelanto, Agoura Hills, Alameda, Albany, Alhambra, Alturas, Amador City, American Canyon, Anaheim, Anderson, Angels City, Antioch, Apple Valley, Arcadia, Arcata, Arroyo Grande, Artesia ,Arvin, Atascadero, Atherton, Atwater, Auburn, Avalon, Avenal, Azusa, Bakersfield, Baldwin Park, Banning,-Mortgage loan programs-interest only mortgage-adjustable rate mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20 mortgage-First time home buyers mortgage programs-103% mortgage-107% mortgage-115% mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit refinance mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA- Barstow, Beaumont, Bell Gardens, Bellflower, Belmont, Belvedere, Benicia, Berkeley, Beverly Hills, Big Bear Lake, Biggs , Bishop ,Blue Lake ,Blythe , Bradbury, Brawley ,Brea , Brentwood ,Brisbane, Buellton, Buena Park, Burbank, Burlingame, Calabasas, Calexico, California, Calimesa, Calipatria, Calistoga, Camarillo, Campbell, Canyon Lake, Capitola, Carlsbad, Carmel-by-the-Sea, Carpinteria, Carson, Cathedral, Ceres, Cerritos, Chico, Chino, Chino Hills, Chowchilla, Chula Vista, Citrus Heights, Claremont, Clayton, Clearlake, Cloverdale, Clovis, Coachella, Coalinga, Colfax, Colma, Colton, Colusa, Commerce, Compton, Concord, Corcoran, Corning, Corona, Coronado, Corte Madera, Costa Mesa, Cotati, Covina, Crescent City, Cudahy, Culver City, Cupertino, Cypress, Daly City, Dana Point, Danville, Davis, Del Mar, Del Rey Oaks, Delano, Desert Hot Springs, Diamond Bar, Dinuba, Dixon, Dorris, Dos Palos, Downey, Duarte, Dublin, Dunsmuir, Fort Bragg, Fort Jones, Fortuna, Foster City, Fountain Valley, Fowler, Fremont, Fresno, Fullerton, Galt, Garden Grove, Gardena, Gilroy Glendale, Glendora, Gonzales, Grand Terrace, Grass Valley city, Greenfield, Gridley, Grover Beach, Guadalupe, Gustine, Half Moon Bay, Hanford, Hawaiian Gardens, Hawthorne, Hayward, Healdsburg, Hemet, Hercules, Hermosa Beach, Hesperia, Hidden Hills, Highland, Hillsborough, Hollister, Holtville, Huntington Beach,-Mortgage loan programs-interest only mortgage-adjustable rate mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20 mortgage-First time home buyers mortgage programs-103% mortgage-107% mortgage-115% mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit refinance mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-Huntington Park, Huron, Imperial Beach, Imperial, Indian Wells, Indio, Industry, Inglewood, Ione, Irvine, Irwin dale,Isleton, Jackson, Kerman, King City, Kingsburg, La Canada, Flintridge, La Habra, La Habra Heights, La Mesa, La Mirada, La Palma, La Puente, La Quinta, La Verne, Lafayette, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Elsinore, Grove, Lemoore, Lincoln, Lindsay, Live Oak, Livermore, Livingston, Lodi, Loma Linda, Lomita, Lompoc, Long Beach, Loomis, Los Alamitos, Los Altos, Los Altos Hills, Los Angeles, LA,-Mortgage loan programs-interest only mortgage-adjustable rate mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20 mortgage-First time home buyers mortgage programs-103% mortgage-107% mortgage-115% mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit refinance mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA- Los Banos, Los Gatos, Loyalton, Lynwood, Madera, Malibu, Mammoth Lakes, Manhattan Beach, Manteca, Maricopa, Marina, Martinez, Marysville, Maywood, McFarland, Mendota, Menlo Park, Merced, Mill Valley, Millbrae, Milpitas, Mission Viejo, Modesto, Monrovia, Montague, Montclair, Monte Sereno, Montebello, Monterey, Monterey Park, Moorpark, Moraga, Moreno Valley, Morgan Hill, Morro Bay, Mount Shasta, Mountain View, Murrieta, Napa, National City, Needles, Nevada City, Newark, Newman, Newport Beach, Norco, Norwalk, Novato, Oakdale, Oakland, Oakley, Oceanside, Ojai, Ontario, Orange, Orange Cove, Orinda, Orland, Oroville, Oxnard, Pacific Grove, Paramount ,Pismo Beach, Pittsburg, Placentia, Placerville, Pleasant Hill, Pleasanton, Plymouth, Point Arena, Pomona, Port Hueneme, Porterville, Portola, Portola Valley, Poway Bluff, Redding, Redlands, Redondo Beach, Redwood City, Reedley, Rialto, Richmond, Ridgecrest, Rio Dell, Rio Vista, Ripon, Riverbank, Riverside, Rocklin, Rohnert Park, Rolling Hills, Rolling Hills Estates, Rosemead, Roseville, Ross, Sacramento, Salinas, San Anselmo, San Bernardino, San Bruno ,San Buenaventura (Ventura), San Carlos, San Clemente, San Joaquin, San Jose, ,-Mortgage loan programs-interest only mortgage-adjustable rate mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20 mortgage-First time home buyers mortgage programs-103% mortgage-107% mortgage-115% mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit refinance mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA- San Juan Bautista, San Juan Capistrano, San Leandro, San Luis Obispo, San Marcos, San Marino, San Mateo, San Pablo, San Rafael, San Ramon, Sand City, Sanger, Santa Ana, Santa Barbara, Santa Clara, Santa Clarita, Santa Cruz, Santa Fe Springs, Santa Maria, Santa Monica, Santa Paula, Santa Rosa, Santee, Saratoga, Sausalito, Scotts Valley, Seal Beach, Seaside, Sebastopol, Selma, Shafter, Shasta Lake, Sierra Madre, Signal Hill, Simi Valley, Solana Beach, Soledad, Solvang, Sonoma, Sonora, South El Monte, South Gate, South Lake Tahoe, South Pasadena, South San Francisco, St. Helena, Stanton, Stockton, Suisun City, Sunnyvale, Susanville, Sutter Creek, Taft, Tehachapi, Tehama, Temecula, Temple City, Thousand Oaks, Tiburon, Torrance, Tracy, Trinidad, Truckee, Tulare, Tule lake, Turlock, Tustin, Twenty nine Palms, Ukiah, Union City, Upland, Vacaville, Vallejo, Vernon, Victorville, Villa Park, Visalia, Vista, Walnut, Walnut Creek, Wasco, Waterford, Watsonville, Weed, West Covina, West Hollywood, West Sacramento, Westlake Village, Westminster ,Westmorland ,Wheatland , Whittier ,Williams , Willits , Willows, Windsor, Winters, Woodlake, Woodland, Woodside, Yorba Linda, Yountville, Yreka, Yuba City, Yucaipa, Yucca Valley, Union City, Upland, Vacaville, Vallejo, Vernon, Victorville, Villa Park, Visalia, Vista, Walnut, Walnut Creek, Wasco, Waterford, Watsonville, Weed, West Covina, West Hollywood, West Sacramento, Westlake Village, Westminster, Westmorland, Wheatland, Whittier, Williams, Willits, Willows, Windsor, Winters, Woodlake, Woodland, Woodside, Yorba Linda, Yountville, Yreka ,Yuba City, Yucaipa, Yucca Valley,
www.zerotoclose.com
We also do manual underwriting on FHA mortgages
for clients that can't pass on LP (automated underwriting).
We have even closed FHA loans declined by other lenders
and approved the client FHA, due to Manual Underwriting.
SO IF YOU WANT A MORTGAGE LENDER
THAT REALLY WILL GIVE YOU THE EXTRA EFFORT
ON LESS THAN "A" LOANS, AND EXPRESS CLOSING ON "A" LOANS,
CALL AMERICAN INDEPENDENT MORTGAGE TODAY! 1 (888) 503-8903
Ask for a government loan specialist to learn about our low interest mortgage rates,
minimal down payment, low closing costs and quick turnaround time.
Let us help you make homeownership a reality!
Maximum loan amounts vary by region.
Contact us to learn more about the types of FHA loans that we offer,
call one of our FHA loan officers 1-615-331-1354
Expert help for Nashville, Lebanon, Murfreesboro, La Vergne, Smyrna, Hendersonville, Gallatin, Cookeville, Smithville, Carthage, Goodlettsville, Portland, Brentwood, Franklin, Columbia, Spring Hill, Jamestown, Woodbury, Mt. Juliet, Hermitage, Old Hickory, Madison, Shelbyville, Dickson, Manchester, McMinnville, Sparta, Springfield, Baxter, Crossville, Hartsville, Gainesboro, Columbia, Lewisburg, Lynchburg, Livingston, Fayetteville, Pulaski, Hohenwald, Chattanooga, Hixson, Red Bank, East Ridge, Lookout Mountain, Signal Mountain, Soddy Daisy, Knoxville, Maryville, Alcoa, Farragut, Oak Ridge, La Follett, Memphis, Atoka, Bartlett, Cordova, Collierville, Germantown, Millington, Dyersburg, Jackson, Bolivar, Humboldt, Selmer, Lafayette, Dayton, Winchester, Woodbury, TN, Tennessee, area home buyers with credit problems - bankruptcy, credit card debt, bad credit scores, or low income. We offer Low down payments, no minimum credit score,bad credit,slow credit,damaged credit,less than perfect credit,firtst time buyer,first-time-Home-buyer,First time homebuyers, equity loans, free mortgage calculator, no down payment motgage, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, farmers mortgage, EQUITY lines of credit, 103% and 107% mortgages, manufactured and modular home loans, Interest only-mortgage-loans, no documentation mortgage,NO DOC, bank statement income, equals full doc,Interest only mortgage-for-with-bad-credit-good-credit-Interest only-fixed rate-adjustible-rate-mortgage-line of credit,.
Credit Solutions
Turned Down Elsewhere?
If you've applied to other lenders and have been turned down, we have some great news for you.
Many clients that were told by others that they couldn't get a loan because:
Not enough income.
Credit score too low.
Credit dings and marks.
Not enough equity in their home.
- were successfully helped by Your Local Mortgage PRO
We don't perform miracles, but we try harder than anybody else. Here are some reasons why we can and they can't:
We have a variety of specialized programs for special situations.
We employ highly experienced loan consultants.
We have better sources of funds.
We are not a bank. We care.
So don't worry about what other lenders have told you. Don't give up too soon. Let Your Local Mortgage PRO customize a solution for your needs. An answer to your problem could be just a click away.
Personal Bankruptcy
Foreclosures and Repossessions
Property Tax Liens
Charge-Offs and Collections
Few or No Lines of Credit
Buying a Home
General Information:
Eventually most people run into financial problems of some kind - collections, charge offs, repossession, tax liens, foreclosure, or even bankruptcy.
Unfortunately, many mortgage lenders don't like to deal with people in these situations. Your situation may require too much underwriting effort or risk to their investors. Only when you don't really need it, they want to lend you money.
Your Local Mortgage PRO has a program to help people in special circumstances and provide a way end your problems quickly and effectively. In most cases, we can drastically improve your monthly cash flow and making paying your bills a much more pleasant experience. Would you like more room to 'Breathe' every month? We provide friendly and honest solutions to credit problems so you can rebuild and start your finances fresh.
Over the years, we have helped hundreds of people fix their credit problems, cut their monthly payments, rebuild their good credit, and have the opportunity for a fresh, new start quickly and successfully. What would you say to extra funds left over to rebuild your bank account, buy a new car, remodel your home, get your business off the ground, take a vacation, or whatever you want to do? Simply call for a FREE Evaluation. There is no fee or obligation to find out what we can do to help you.
Personal Bankruptcy:
If you've filed for bankruptcy protection under chapter 13 or 7 and your debts are now paid or your chapter 13 is being paid monthly. Are there programs that can offer help in this situation?
In most cases, the answer is yes.
To find out we'll ask you some general information about your bankruptcy. We then evaluate your monthly income and home value. After reviewing this information, we provide a program that best fits your situation.
There is no cost to find out what we can do for you and we can usually tell you the same day. Our loan officers are trained to handle these special credit situations and we handle them daily. There is no obligation to get a consultation. You will be very pleased with your result.
Foreclosures and Repossessions:
Foreclosure and Repossession is what happens after a lender exhausts all avenues to collect on a debt and they resort to the most extreme method of collection, to repossess the property (home or auto) from you to achieve repayment.
Having such marks on your credit will get in trouble with most lenders - and even if you find a lender that is willing to work with you, they'll probably demand a ridiculous high rate.
So how we can help you?
Our experience has taught us to look at the positive in the application rather than the negative. Therefore, we may recommend using a program that only considers recent credit history and ignores older marks and dings. We'll also use other positives your situations that will help, such as: if you have a long time job - or been in the house for a long time - or make good money from your job, etc.
At any rate, first thing we'll do is ask you some questions about the timing and the story behind the repossessions. Second, we'll evaluate your credit, obtain rough estimate on what your home is worth and analyze your income and any outstanding debts you might have. Finally, we'll recommend to you the best program for your needs.
The entire process is done in the same day and it won't cost you a penny to find out what we can do for you.
Property Tax Liens:
If you are delinquent paying your tax payments, the government will apply a lien to your property. Even worse, these liens encumber your property and may prevent many title related changes.
As the payment remains delinquent, the amount owed will increased as they add on penalties, interests and other charges. These liens will have to be paid and the longer you wait, the more of a pain it becomes. It is usually better to pay them now then to let the penalties accrue monthly.
First, we ask a few questions about the liens. Second, we'll review your credit, obtain rough estimate on what your home is worth and analyze your income and any outstanding debts you might have. Finally, we'll recommend to you the best program for your needs.
The entire process is done in the same day and it won't cost you a penny to find out what we can do for you. You may even use this opportunity to take some cash from your equity to help pay for the things you want.
Charge-Offs and Collections:
We've all had them. Medical bills, membership to some organization that you don't want, and some other small incidents.
Having such marks on your credit might affect the rate you qualify for and it may cause your application to be denied with other lenders, but not at My Loan Expert.
So how we can help you?
We have programs that only considers recent credit history and ignores older marks and dings. We also have programs that require certain credit score and don't pay attention to what is on your credit report. Knowing which programs fit your situation better is what differentiates us from the rest. We're able to handle situations much more difficult and complex than your simple case. Call us and we'll put you at ease and help you put these concerns behind you.
We'll first ask you some questions about the timing and the story behind the collections and charge-offs. We'll also ask you if you wish to payoff these debts as it will help your credit, but most of the time you don't have to. Second, we'll evaluate your credit, obtain a rough estimate on what your home is worth and analyze your income and any outstanding debts you may have. Finally, we'll recommend to you the best program for your needs.
The entire process is usually done in the same day and it won't cost you a penny to find out what we can do for you.
Few or No Lines of Credit:
How can you have credit history when no lender gives you credit?
We never understood why good people with no credit get turned down for various applications. But, here at My Loan Expert, we're changing how things are done. You may have other factors to compensate for the lack of credit. But, it's not impossible to get a good loan with no credit.
We have programs that are designed for first time buyers and for people with no or very little credit history. Knowing which programs fits your situation better is what differentiates us from the rest. We're able to handle situations much more difficult and complex than any simple case. So, don't worry. Call us and we'll put you at ease while helping to put these concerns behind.
First thing we'll do is ask you some questions about your employment and income. Then, we'll recommend to you the best program for your needs.
The entire process is done in the same day and it won't cost you a penny.
Buying A Home:
I want to buy a home, but I have credit problems, do I qualify?
This is a very popular question in our business - and the answer is: If you plan this purchase right, you'll be able to buy your own home.
How do I do it and How do I start?
It's easy, call us and request a complete home purchase consultation for credit-impaired individuals. We'll ask many questions about your specific credit situation. We'll also ask some employment and income questions. And if you've already gone home shopping, be prepared to give us details about the home you are planning to buy.
Once we have you information and have had a chance to analyze your situation, we make our recommendations, which include our suggested maximum purchase price for your income, how much down payment you'll need to approve the loan, and any credit issues that need to be resolved before the loan can be completed.
Before you start shopping, you should obtain a pre-qualification letter from us. Most Realtors will require that you have this letter before they help you. They are basically making sure you qualify for the home before they waste their time.
The entire process is done in the same day and it won't cost you a penny to find out what we can do. We also offer Realtor recommendations if you have already selected one. We have many well-qualified, highly experienced buyer agents whom work with us. Please call and ask which one may be right for you. We'll give you some trusted names.
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area home buyers and First Time Home Buyers, with credit problems -Damaged Credit Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, with, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, FHA Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, REFI, with Bad credit, After Bankruptcy,
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"We Say YES....Even If The BANK Said NO!"
Alachua, Altamonte Springs, Anna Maria, Apalachicola, Apopka, Arcadia, Archer, Atlantic Beach, Atlantis, Auburndale, Aventura, Avon Park, Bartow, Bay Lake, Belle air Beach, Belle air Bluffs, Belle Glade, Belle Isle, Belleview, Blountstown, Boca Raton, Bonifay, Bonita Springs, Bowling Green, Boynton Beach , Mortgage loan programs-interest only-Home-loan-mortgage-adjustable rate-mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20-mortgage-First time home buyers mortgage programs-103%-Home-loans-mortgage-107%-Home-loans-mortgage-115%-Home-loans-mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate-mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit--refinance-home-loan-mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-,
area home buyers and First Time Home Buyers, with credit problems -Damaged Credit ,Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, FHA Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, Refi, with Bad credit, After Bankruptcy , Bradenton Beach, Bristol, Brooksville, Bunnell , Bushnell, Callaway, Cape Canaveral, Cape Coral, Carrabelle, Casselberry, Cedar Key, Center Hill, Chattahoochee, Chiefland, Chipley, Clearwater, Clermont, Clewiston, Cocoa, Cocoa Beach, Coconut Creek, Coleman, Cooper City, Coral Gables, Coral Springs, Crescent City, Crestview, Crystal River, Cutler Ridge, Dade City, Dania Beach, Davenport, Daytona Beach, Daytona Beach Shores, De Bary, Deerfield Beach, De Funiak Springs, De Land, Delray Beach, Deltona, Destin, Dunedin, Dunnellon, Eagle Lake, Edgewater, Edgewood, Eustis, Everglades, Fanning Springs, Fellsmere, Fernandina Beach, Flagler Beach, Florida City, Fort Lauderdale, Fort Meade, Fort Myers, Fort Pierce, Fort Walton Beach, Freeport, Frostproof, Fruitland Park, Gainesville, Graceville, Greenacres, Green Cove Springs, Gretna, Groveland, Gulf Breeze, Gulfport, Haines City, Hallandale Beach, Hampton, Hawthorne, Hialeah, Hialeah Gardens, High Springs, Holly Hill, Hollywood., olmes Beach, Homestead, Indian Harbour Beach, Indian Rocks Beach, Inverness, Islandia, Jacksonville, Jacksonville Beach, Jacob City, Jasper, Key Colony Beach, Keystone Heights, Key West, Kissimmee, La Belle, Lake Butler, Lake Helen, Lakeland, Lake Mary, Lake Wales, Lake Worth, Mortgage loan programs-interest only-Home-loan-mortgage-adjustable rate-mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20-mortgage-First time home buyers mortgage programs-103%-Home-loans-mortgage-107%-Home-loans-mortgage-115%-Home-loans-mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate-mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit--refinance-home-loan-mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-,
area home buyers and First Time Home Buyers, with credit problems -Damaged Credit, Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, FHA Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, REFI, with Bad credit, After Bankruptcy ,
Marco Island, Margate, Marianna, Mary Esther, Mascotte, Melbourne, Mexico Beach, Miami, Mortgage loan programs-interest only-Home-loan-mortgage-adjustable rate-mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20-mortgage-First time home buyers mortgage programs-103%-Home-loans-mortgage-107%-Home-loans-mortgage-115%-Home-loans-mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate-mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit--refinance-home-loan-mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-,
area home buyers and First Time Home Buyers, with credit problems -Damaged Credit, Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, Fha Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, Refi, with Bad credit, After Bankruptcy , Miami Beach, Miami Springs, Midway, Milton, Minneola, Miramar, Monticello,, Moore Haven, Mount Dora, Mulberry, Naples, Neptune Beach, Newberry, New Port Richey, New Smyrna Beach, Niceville, North Bay Village, North Lauderdale ,, North Miami, North Miami Beach, North Port, Oak Hill, Oakland, Oakland Park, Ocala, Ocoee, Okeechobee, Oldsmar, Opa-locka, Orange City, Orlando,, Ormond Beach, Oviedo, Pahokee, Palatka, Palm Beach Gardens, Palm Coast, Palmetto, Panama City, Panama City Beach, Parker, Parkland, Pembroke Pines, Pensacola, Perry,, Pinellas Park, Plantation, Plant City, Pompano Beach, Port Orange, Port Richey, Port St. Joe, Port St. Lucie, Punta Gorda, Quincy, Riviera Beach ,Rockledge ,St. Augustine, St. Augustine Beach, St. Cloud, St. Marks, St. Pete Beach, St. Petersburg, Mortgage loan programs-interest only-Home-loan-mortgage-adjustable rate-mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20-mortgage-First time home buyers mortgage programs-103%-Home-loans-mortgage-107%-Home-loans-mortgage-115%-Home-loans-mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate-mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit--refinance-home-loan-mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-,
area home buyers and First Time Home Buyers, with credit problems -Damaged Credit, Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, FHA Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, REFI, with Bad credit, After Bankruptcy ,San Antonio, Sanford, Sanibel, Sarasota, Satellite Beach, Sebastian, Sebring, Seminole, Sopchoppy, South Bay, South Daytona, South Miami, South Pasadena, Springfield, Starke, Stuart, Sunny Isles Beach, Sunrise, Sweetwater, Tallahassee , Tarpon Springs, Tavares, Temple Terrace, Titusville, Treasure Island, Trenton, Umatilla, Valparaiso, Venice, Vernon, Vero Beach, Waldo, Wauchula, Webster, Weeki Wachee, West Melbourne, West Miami, Weston, West Palm Beach, Wewahitchka, Wildwood, Williston, Wilton Manors, Winter Garden, Winter Haven, Winter Park, Winter Springs, Zephyrhills,
Florida mortgage loan programs, Florida interest only mortgage, Florida adjustable rate mortgage, Florida bad credit mortgage home loans, Florida Stated income mortgage loans, Florida no doc mortgage, Florida poor Credit mortgage, Florida damaged credit mortgage, Florida REFI mortgage. Florida refinance mortgage, Florida pay option arm, Florida super jumbo mortgage loans, Florida 80/20 mortgage, Florida first time home buyers mortgage programs, California 103% mortgage, Florida 107% mortgage, Florida 115% mortgage, Florida Bad credit No credit mortgage, Florida land contract refinance, Florida zero down mortgage, Florida no down payment mortgage, Florida no money down mortgage, Florida mortgage Payment calculators, Florida seller carry back mortgage, Florida seller held 2nd second mortgage, Florida Less than perfect credit mortgage, Florida Real estate loans, Florida first time buyers mortgage, programs, Florida first time buyers zero down mortgage, Florida Self employed buyers mortgage, Florida MTA mortgage, Florida COFI mortgage pay option arm, Florida 40 year mortgage, Florida fixed rate mortgage, Florida Mortgage Rates, Florida mortgage quote, Florida 125% second mortgage, Florida streamline mortgage refinance, Florida bad credit refinance mortgage, Florida 100% mortgage, Florida no money down mortgage, Florida zero at closing mortgage, Mortgage Florida, Florida sub-prime mortgage, Florida equity line of credit, Florida mortgage home loan programs, Florida 80/10/10 mortgage, Florida 80/15/5 mortgage, Florida no PMI mortgage, Florida no mortgage insurance mortgage,
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Miami mortgage loan programs, Miami interest only mortgage, Miami adjustable rate mortgage, Miami bad credit mortgage home loans, Miami Stated income mortgage loans, Miami no doc mortgage, Miami poor Credit mortgage, Miami damaged credit mortgage, Miami REFI mortgage. Miami refinance mortgage, Miami pay option arm, Miami super jumbo mortgage loans, Miami 80/20 mortgage, Miami first time home buyers mortgage programs, Miami 103% mortgage, Miami 107% mortgage, Miami 115% mortgage, Miami Bad credit No credit mortgage, Miami land contract refinance, Miami zero down mortgage, Miami no down payment mortgage, Miami no money down mortgage, Miami mortgage Payment calculators, Miami seller carry back mortgage, Miami seller held 2nd second mortgage, Miami Less than perfect credit mortgage, Miami Real estate loans, Miami first time buyers mortgage, programs, Miami first time buyers zero down mortgage, Miami Self employed buyers mortgage, Miami MTA mortgage, Miami COFI mortgage pay option arm, Miami 40 year mortgage, Miami fixed rate mortgage, Miami Mortgage Rates, Miami mortgage quote, Miami 125% second mortgage, Miami streamline mortgage refinance, Miami bad credit refinance mortgage, Miami 100% mortgage, Miami no money down mortgage, Miami zero at closing mortgage, Mortgage Miami, Miami sub-prime mortgage, Miami equity line of credit, Miami mortgage home loan programs, Miami 80/10/10 mortgage, Miami 80/15/5 mortgage, Miami no PMI mortgage, Miami no mortgage insurance mortgage,
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Nashville FHA Mortgage,
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zero-0-0%-nothing-
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Knoxville-Gatlinburg FHA Mortgage,
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Louisville Va Loans-100%-NO MI-Mortgage-VA Loan-Louisville VA Mortgage-VA-Refinance-Louisville-KY
Lexington VA loans-VA loans-100%-no-mi-Lexington VA Mortgage-Lexington-KY-
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Clarksville-Ft Campbell VA Mortgage-
Clarksville-Ft Campbell VA Loans-VA loan-Clarksville-Ft Campbell VA mortgage-VA-refinance-Clarksville-TN-FT Campbell-
FAQ on Qualifying Applicants with Credit Issues
Q. I have had credit problems in the past. Will this affect my ability to obtain a mortgage loan?
A. In evaluating an application for a mortgage loan, an applicant's credit history will be considered as one element in determining the applicant's qualification for the requested loan. Negative credit histories or a lack of previous credit experience can adversely affect an applicant's ability to obtain a requested loan. More recent credit information will be weighed more heavily than older information. Also, some types of credit histories may be given greater weight than others. Generally, the applicant's previous payment history on a mortgage loan is given the greatest weight, followed by major installment accounts (such as auto loans), followed then by major credit card accounts (such as MasterCard and VISA accounts), and finally followed by minor revolving charge accounts such as departments stores and finance companies.
Q. My credit problems occured more than three years ago. Will this affect my ability to obtain a mortgage loan?
A. In evaluating a loan application, we will look closely at information occurring in the past two years. Generally, a few late payments occurring on installment loans or credit-card accounts more than two years ago will not affect an applicant's ability to obtain maximum financing (with minimum equity or downpayment) as long as the late payments were isolated and an adequate statement has been provided explaining why the credit problems occurred.
Q. I recently filed bankruptcy. Will this affect my ability to obtain a mortgage loan?
A. An applicant may be able to qualify for maximum financing with a previous bankruptcy provided that the discharge date is more than two years ago, the applicant has re-established and maintained a positive credit history on at least three accounts since the date of the bankruptcy discharge, and the applicant provides an acceptable explanation for the reason the bankruptcy was filed. Chapter 13 bankruptcy plans (which provide for a restructuring of debt and repayment of all or a portion of the debt over a 3 to 5 year period) must have been fully completed for a two year period to obtain maximum financing at the best available interest rates. However, we offer special loan programs at higher interest rates which allow more recent bankruptcies. These special programs typically require higher downpayments or equity positions than our conventional loans (between 10% to 35%) depending on how recent the bankruptcy.
Q. I have very recent late payments on a prior mortgage. Will this affect my ability to obtain a mortgage loan?
A. As previously stated, mortgage payment histories are given greater weight than other types of credit information. Thus, late payments occurring on a mortgage within the past two years will typically preclude an applicant from obtaining maximum financing at the best interest rates. However, we offer special loan programs at higher interest rates which allow recent late payments on mortgages. These special programs typically require higher downpayments or equity positions than our conventional loans (between 10% to 35%) depending on how recent the late payments occurred. We even have loan programs for applicants which are currently in default on a mortgage loan or which have experienced foreclosures; however, these programs typically require higher equity positions of between 20% and 35% and have interest rates which are much higher than those offered on other loan programs.
Q. How is the amount of the downpayment I will be required to pay determined on these special loan programs allowing derogatory credit?
A. The amount of the downpayment required for an applicant with recent derogatory credit is determined on a case-by-case basis. Generally, the more negative and more recent the derogatory information, the higher the downpayment or equity position that will be required. For example, we offer a program which allows a 5% downpayment which permits late payments on a mortgage occurring more than 12 months prior to the application date, and up to three 30-day late payments on other types of accounts during the preceding 24 months. With 10% down, several late payments on a mortgage occurring within the preceding 12 months and a few 30-day and 60-day late payments on other types of accounts will be permitted on these special programs with higher interest rates. Most of these programs also allow higher debt ratios than those programs at more favorable interest rates.
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