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Buying a home whether
your a first time homebuyer or it's your third
home purchase can be a daunting task. There are many
pitfalls one should look out for. Education is the key
to a successful purchase. We like to ensure that our
clients have full knowledge of the entire process
every step of the way.
Common Mistakes We See
our Clients Make
-
Not getting pre-approved before
looking for a home to buy These are all pitfalls we
see people running into constantly. (We ALWAYS
recommend getting pre-approved upfront and having a
letter to bring with you. This will not only give you
peace of mind, but will provide bargaining power for
you when you make your offer.)
-
Allowing too many people to pull
their credit report (You will hear people tell you
that it's okay to pull your credit many times while
shopping for a better interest rate. This if FALSE.
Your score will drop if pulled too many times in a
short period regardless of why it was pulled)
-
Not using the right brokers that
have access to programs specialized for people with
bad credit or first time homebuyers (Two things
will generally happen. You will either be immediately
turned away due to credit being too bad or you will be
pushed into a high rate interest loan that is probably
adjustable and get you into a very bad situation.)
-
Putting too much money down in a
good faith deposit and not ensuring it is refundable
if your financing falls through (This is
negotiable and you or your realtor should try as hard
as possible to ensure any funds you put down are
completely refundable to you)
We address all of
these issues for you. We provide same day
pre-approvals and take any guess work out of
financing for you. If there are any issues we will
address them upfront and set a plan to address them as
quickly as possible. We work with you! We see
ourselves as consultants rather than salesmen. This
outlook helps to keep us focused on what's important..
YOU! We have vast experience with bad credit problems
and we know exactly how to deal with any hurdles your
credit may provide. This is why we provide more
home purchases than anyone else because we don't
turn anyone away. If your having a problem that is
prevent you from getting a bad credit mortgage with
low rates we will help you deal with it so that we can
get you the financing you deserve.
One of the most
important pitfalls mentioned above is the fact that
many banks and mortgage brokers today do not know
about the programs specialized for bad credit
mortgage buyers or first time homebuyers.
It is very dangerous to deal with an uninformed
mortgage banker as they can get you into a dangerous 2
year adjustable rate loan with very high rates that
can put you at risk for foreclosure. We truly hope
that you have found this page and take the time to
call us or inquire online so that we can ensure you
take advantage of our specialized bad credit home
loans.
Highlights of our Bad
Credit Loans
-
30 year fixed rates that will never
adjust on you
-
No prepayment penalties EVER.
refinance or sell whenever you choose with no worries.
-
Very low mortgage insurance coverage.
-
One loan with no high rate 2nd
mortgage
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100% Financing 95% of the time
-
If not 100% then 98.5% financing is
provided. The most any of our clients ever need to put
down is 1.5% EVER
-
Low fixed rates between 6%-7.5%. NEVER
higher than 7.5%!
-
No need to pay off medical,
collections, charge-off's, or other bad debt
Now you can see why
we are the premier source for bad credit home loan
purchase in the U.S. Our mortgage professionals
are prepared to put their years of experience and our
access to these bad credit mortgage loans to work for
you!
Contact US today or
APPLY ONLINE for a same day response and let's
start working together to help your American dream
come true!
OUR PROGRAMS
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