Damaged Credit Refinance
We offer loan programs for people who have experienced damaged credit problems such as Bankruptcy or Foreclosure.
We evaluate the filing date of bankruptcy, rather than the discharge date, along with the last 12 months of your credit history only. Conventional lenders usually look at the last 10 years!
Most lenders try to maintain a debt ratio of 40% or less of a borrowers gross income. We have loan programs which can go as high as 55%!
With all the different bills that you have to pay each month, it can get to seem like a mountain that cannot be climbed.
If your bank can not help you and you think you have no where to turn, it may be time to consider all the advantages of a non- conforming damaged credit refinance. We offer affordable solutions to get you back on solid financial footing even if you are currently behind in your mortgage payments or had past credit problems.
If it sounds like you could use our expertise, you need to take the first step. To receive your FREE, no-obligation mortgage analysis.
If we can not help you today, we will help you develop a plan to help you rebuild your credit and your life.
Read more about Damaged Credit Refinance Closing Costs
Learn more about Non Conforming loans for individuals with damaged credit.
Learn more about improving your credit scores
If you currently have a late mortgage payment I have some important information.
Learn more about Loan Modification. If you can not refinance, it may be the best way to save your home today.
If you have had credit issues in the past, it is absolutely critical in today's market that they be addressed before you try to get a mortgage. I have referred my clients to CreditFX for the past 5 years. Exceptional customer service and I am often stunned at what they have been able to have removed from people's reports, allowing my clients to qualify. Their charge of $199 is one of life's true bargains.
Certified Mortgage Planning
Specialist, I offer an analysis of
your situation today can make suggestions on how small changes in how
your consumer and mortgage debt is structured today can have a life changing effect in the years
to come. Read more
about this free, no obligation service.
Prequalify for your damaged credit