Loans for the credit or debt challenged:

Most of us at one time or another go through a stage where - often through no fault of our own - we face financial hardship. The ramifications of not being able to meet your current debt obligations are serious. Missed payments, bankruptcies, forclosures, and even high credit card balances can cause your credit scores to plummet in a matter of days or weeks. The resulting bad credit scores, and poor credit rating, generally causes mortgage lenders to increase their mortgage rates to offset their perception of having greater risk with your refinance mortgage loan.

A debt consolidation loan can often provide some help, but we try to make sure that the relief is long-term rather than just short-term.

We are trained in the science of managing your credit scores, and will want to spend a great deal of time trying to fix bad credit scores as much as possible PRIOR to securing your mortgage. Various techniques are available to improve your poor credit scores quickly and cost-effectively. A higher credit score, of course, means a better mortgage rate, better terms from a better mortgage lender, and a less expensive refinance mortgage loan.

There are many, many mortgage broker and mortgage lender companies that specialize in mortgage loans for individuals with poor credit. They will bring you in to their office and stick you with a bad loan so fast that it will make your head spin. This is not us. If this is what you want, you have found the wrong lender.

If you HAVE to move fast, we understand, and we can help you. But we much prefer to take a different approach, which is to spend the time and energy up front to provide a service of lasting benefit to you. A service to improve your situation long-term, eliminate the cycle of unmanageable debt, raise your scores, lower your payments, and hopefully for us, create a loyal client (you) in the process.

Call us for details.