Bad Credit Mortgage In Florida
Getting a Florida
Mortgage with bad credit isn't as easy as it was
a year or two ago. However, it isn't as impossible as
some news reports make it seem. Even Floridians with
bad credit reports which reveal past financial sins still
sometimes get to the promised land of mortgage approval.
Buyers and Refinance
clients do so with the help of a skilled and experienced
Florida mortgage lender who specializes in Florida
bad credit home mortgages.
If you have what is known in general as bad credit,
and you are trying to obtain a home loan in Florida,
then we encourage you to work with an experienced Mortgage
Lender with a record of funding even the most difficult
We have been helping borrowers
with bad credit find the right lenders, gather their
loan documents, and present complete loan packages to
lenders for over a decade. Our technique really comes
down to understanding what a underwriter is looking
for and putting together a complete and thorough loan
For some borrowers, it's the only way to get a lender
to say yes to a home loan. This is especially the case
for a borrower with bad credit mortgage
We know that a temporary
set back like a job loss or car accident can leave you
with damaged credit even though you have worked hard
to meet all of your financial obligations for most of
a lifetime. This episode can affect credit ratings quickly
and adversely affect the loan process when applying
for your Fl home mortgage.
We feel the borrower with less than perfect credit
is the one who benefits the most from working with an
experienced Florida mortgage lender. A good Florida
mortgage lender knows which lenders have the best programs
for borrowers with poor credit and knows how to present
an application truthfully and ethically in the strongest
light possible. No, we won't exaggerate or misrepresent
the facts on your behalf; however, we will work to properly
represent you and explain why the situation you are in exists.
Your credit report is the key factor for many of the
mortgages we offer, but it is not the only factor. With
an experienced Florida Mortgage
professional working on
your behalf, you may be pleasantly surprised at the
bad credit home loan quote you get
from our network of quality Florida lenders.
We can help you take an objective look at your home
loan options regardless of your past credit history.
Our experienced loan officers are very skilled at examining
your credit report. And our Florida bad
credit home loan specialists are happy
to offer you free advice on how to clean up your credit
report in preparation for your home loan process.
For some bad credit mortgage applicants, the
hardest lifting takes place weeks before the mortgage
application. It's never too soon to call 1-954-667-9110
to speak to one of our mortgage officers. If you have
a weak credit report but want to get a mortgage or refinance
your existing one, now is the time to get started. Use
application to find out more.
We have excellent rapport
with many lenders who underwrite and service their own
loans in house. Because they don't resell the loans
they originate, these lenders can say yes to a borrower
when banks that are more conservative have said no.
It's actually better for borrowers with bad credit
right now than it was before 1990. Before 1990, if a
borrower did not qualify for a conventional or government
loan, he or she was out of home loan options. The emergence
of lenders willing to serve those with poor credit has
been a godsend for the borrower who recognizes that
a bad credit home loan is a temporary
Used properly with good financial planning, a subprime
home loan serves the bad credit borrower for 2-4 years
while he or she demonstrates the discipline to pay financial
obligations on time. Once the healthier financial pattern
yields a higher middle credit score, the borrower can
apply for a government insured FHA
home mortgage or a fixed rate conventional mortgage.
Even for mortgage borrowers with bad credit, our mortgage company has found ways to secure financing for a decade.
- 30 year fixed rate mortgages for persons with damaged
credit to purchase homes;
- Fixed rate mortgages with one, three, or five year
- Limited opportunities on loans for purchasing or
refinancing single and doublewide Mobile
Homes on land for buyers with low FICO scores
in Polk County and the other Florida counties we serve;
- A range of Jumbo and Super Jumbo
home loans for those borrowers seeking to purchase
Don't let credit dings prevent you from applying for
a mortgage from one of Florida's fastest growing mortgage
lenders. Call 1-954-667-9110 or apply for a
Florida bad credit mortgage online using our
application right now!