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Discover How To get a Good Loan With Bad Credit


In America today consumers are more in debt then ever before, with that large debt comes an increase in bankruptcies, missed payments. Even if you can get back on track and pay your debt down you are still left with battle scarred credit. This makes buying a home with a traditional mortgage next to impossible for the next few years. Most of the time yo could just go out and get a sub prime loan but in recent months many of these lenders have disappeared and the ones that remain have very high rates and require large down payments. But what if you could utilize government FHA programs to buy a home with as little as 3% down, even with bad credit. Read on to discover how FHA can help you secure the home of your dreams, with good rates even with a slightly bumpy credit history.

With FHA not requiring a minimum credit score and mainly looking at only your last 12 months of credit, this is how FHA differs than other types of mortgage lending. Most other mortgage lending has minimum credit score requirements and they look back at a minimum of 2 years of credit history. Therefore, FHA is a good alternative, especially when you have bad credit or damaged credit and are in the market to buy a home or refinance your existing mortgage. This is one way to get a good loan with a good rate, even with bad credit.

The main benefit of the FHA Loan Program is that there is no minimum credit score requirement, but rather the last 12 months of credit history are scrutinized closely. By paying your debts on time for a period of 12 months, you can often qualify for FHA financing.


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Mortgage Broker | Bankruptcy is Bad Foreclosure is worse | Saving for a down payment | FHA Loan
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