Providing personal online mortgage service since 1987, a California home loan specialist

Rand Miller

(800) 644-5363

A bad credit loan doesn't have to have a bad interest rate. Let us show you.

A loan for people with bad credit is a specialty loan which requires special skills and understanding.

A bad credit mortgage can buy back for a person the house that they lost in foreclosure.

A home loan for people with bad credit may not require a downpayment, yes it may allow for a zero down purchase.

A good mortgage lender for bad credit can save a person thousands in their financing costs.

A mortgage after bankruptcy shouldn't be so costly that you are forced back into bankruptcy.

An experienced lender for bad credit can make an extremely difficult loan close like a quick and easy loan.

Bad Credit Loan, Purchase Mortgage!

Need a Purchase Loan but you have bad credit? If you need a loan to buy a home and you have bad credit or you had a bankruptcy, whether you are a First Time Buyer or a seasoned Rental Property Investor, we have several loan programs to choose from. This is our specialty, helping people with bad credit purchase homes with an affordable low cost loan and at an affordable low loan rate. For a bad credit loan, let us help you compare the programs to determine which loan will save you the most money while you own your home.

Whether you need a:

We can help you choose the best loan for your situation, even though your credit isn't the best. When you need a fast easy loan, regardless of your credit situation, either call us or Apply Online for a quick and easy loan online.

It is difficult for a person with bad credit to find a low interest loan. I know the difficulty, the problem is that so many mortgage companies offer bad credit loans, how are you to know whether they can help you if you don't let them pull your credit report and see your full file. It can usually take 10-15 applications [credit inquiries] with different lenders to find the lender that offers a low affordable rate. These inquiries can lower your credit score by 20-40 points, bumping you down to worse rate loans, in addition wasting precious escrow time. By applying through this problematic gauntlet, you will realize that most lenders rates and fees are outrageously high.

Why waste your time, endure frustration, endanger your credit score and jeopardize your ability to purchase a home? We know the best bad credit loan underwriters, and know their interest rates and lending guidelines. We use one credit report which can be reviewed by all the underwriters, they quote their proposed rates, terms and fees, we then present and explain the different options to you, for your final decision. You have the choice of the best that the mortgage industry offers for your specific type of loan need, all with just one credit report inquiry. You can count on us to give you straight answers to the tough questions regarding your real estate financing needs. Apply Online for a quick and easy loan online.

No Doc Loan or Stated Income Loan? So your credit score is low and your credit doesn't look the best, in addition you don't want to show us your income or can't, that's ok. We can help you with a variety of loan programs that range from Stated Income [you just tell us your income and we accept it] to No Doc Loan [we don't include any verification of income or assets, that means no employer listed and no bank accounts listed]. You will be surprised, the rates aren't bad, they're actually very good, in many cases lower than competitor rates offered by other bank full income documented files. Just complete our Online Application and let us begin saving you money with a lower rate mortgage.

Need a Low Credit Score Loan? Credit scores [Fico, Beacon, Empirica] can range from the 400's to the 800's. If your scores are below 680 then you are under average, but even with scores as low as 580, you still might be eligible for our A paper loan interest loan programs. As I have said before, our underwriters are very flexible and eager to approve loans with low fico scores with the privilege of low rates. Again, if we can prove that you can make the mortgage payment, the loan is yours. How far can we go? We have loan programs that can go down to the 400's.

Regardless of your credit situation if you want a friend in the mortgage industry, someone you can trust, someone who is interested in helping you purchase your dream home and show you ways to save money during the purchase and finance process, complete our Online Application.