Welcome to the Bad Credit Mortgage Site!

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 find a mortgage! Those of you that are serious about a second chance to establish good credit have come to the right place!

If your FICO score (also called a credit score) is at or below 650, you don't have what most lenders consider good credit so you will be unable to obtain a conventional mortgage loan at prime rates. You'll need to shop for a "bad credit mortgage." Lenders call these subprime mortgages and they are a fairly new product for the home mortgage industry.

Subprime borrowers must be much more careful when shopping for a mortgage loan than their conventional counterparts. 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 subprime mortgage page offers plenty of suggestions for finding the best deal on your loan, and includes a few potential pitfalls to avoid.

We suggest that you follow the links on the left to learn a little about the borrowing options available to people with a poor credit history. When you're ready to begin shopping for a mortgage, our partner, LoanWeb.com will provide free, no obligation bids from several mortgage lenders so you can select from the lender that best meets your needs. They 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.