Sub-Prime New Home Mortgage Loan Info

The mortgage industry is going through radical changes. The sub-prime market is very shy in comparison with recent years, and lenders willing to take a risk on bad credit new home mortgages are much harder to find. If you're seeking a new home mortgage, Mortgage Credit Problems can help you stay up to date on the changing mortgage industry, discover tips on securing a loan, or search for bad credit lenders. »

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• Bad Credit Mortgage Loans: Learning from Past Mistakes
  Avoiding future problems with bad credit requires learning from past errors and having a thorough understanding of credit terms for any purchase. Nowhere is this more important than when homeowners and home buyers shop for bad credit mortgage loans.
  May 2, 2008
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• Learn About Mortgage Loans: Information You Need Before Signing
  Avoid problems when shopping for a bad credit loan. Asking questions and understanding loan terms before accepting a mortgage loan can help prevent trouble.
  May 2, 2008
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• Bad Credit Mortgage Loans: Finding a Second Chance
  Mortgage lenders offer a variety of bad credit mortgage loans to assist customers with bad credit. Reviewing your credit report and knowing your credit score in advance can help you shop for a mortgage.
  May 2, 2008
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• Bad Credit Mortgage Loans: Shopping for the Best Deal
  Shopping for a bad credit mortgage before looking for a home can help credit-challenged borrowers save money and time during the mortgage application process.
  May 2, 2008
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• Neighbors Hurt by Foreclosures Even If They Don't Have Bad Credit
  Living in an area with a lot of foreclosures can affect neighboring homeowners even if they don't have bad credit.
  May 2, 2008
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• 4 Questions to Ask About a Bad Credit Mortgage Company
  Before signing up with a bad credit mortgage company, home buyers need to ask some important questions.
  May 2, 2008
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• People With Good and Bad Credit Find It Tougher to Obtain Mortgages
  Potential home buyers with bad credit have already found it tough to qualify for a mortgage, but now people with good credit are being affected.
  May 2, 2008
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• Do People With Bad Credit Have to Pay Mortgage Insurance?
  Bad credit doesn't automatically mean paying private mortgage insurance, but a mortgage without a 20% down payment will require this extra insurance.
  May 2, 2008
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• Bad Credit Mortgage Loans: Are You Really Ready?
  Falling home prices can make it tempting to buy a home without considering the impact bad credit can have on qualifying for a mortgage loan. Consider the following points when deciding if purchasing a home now makes sense in the long run.
  May 2, 2008
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• Truth or Consequences: Preventing Problems with Bad Credit Mortgage Loans
  Reports of problems with mortgage loans granted to people with bad credit are not always the borrowers' fault. Here are some tips for avoiding problems with bad credit mortgage loans.
  May 2, 2008
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• Can a Short Sale Help People With Bad Credit?
  More homeowners with bad credit are hoping a short sale can get them out from under crushing mortgage payments.
  May 1, 2008
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• Foreclosure vs. Bankruptcy: Which Does More Damage?
  Bankruptcy and foreclosure are both to be avoided, however most borrowers who truly need debt relief are better served by bankruptcy than foreclosure.
  May 1, 2008
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• Bad Credit: Understanding What Happened and Why
  Understanding how bad credit happens is the first step toward getting an affordable bad credit mortgage loan. Preparing to shop for a mortgage loan can help homebuyers with bad credit find favorable mortgage terms.
  May 1, 2008
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• Bad Credit Mortgage Loans: More than Getting Your Foot in the Door
  Potential homeowners with bad credit often concentrate on "getting their foot in the door" when choosing mortgage loans. Avoid mistakes by understanding loan terms in advance of shopping for a home.
  May 1, 2008
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• Bad Credit Mortgage Loans: Shop in Advance to Save
  Bad credit mortgage loans are available, but knowing what to look for and what to avoid is an essential part of shopping for a home loan.
  May 1, 2008
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• New Mortgage Disclosure Designed to Avoid Foreclosures
  The high mortgage foreclosure rate has instigated some new mortgage disclosures to inform borrowers of high risk loans. Discover what you will want to see when looking for a new home loan.
  April 30, 2008
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• Understanding Bad Credit Mortgage Terms and Options
  Mortgage lenders offer a variety of bad credit loan options that can help you buy a home.
  April 30, 2008
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• Shopping for a Bad Credit Mortgage
  Finding a bad credit mortgage can be challenging, but research and planning before you start looking for a home and mortgage can help you find a bad credit home loan that works for you.
  April 30, 2008
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• Rebuilding Bad Credit: Community Homebuyer Programs Can Help
  Homebuyers with bad credit or those with limited income can benefit from community homebuyer programs. These programs provide information about bad credit mortgage options, how to rebuild bad credit and can help homeowners qualify for lower mortgage rates.
  April 30, 2008
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• Home Foreclosures Affect Everyone
  If you think the foreclosure market is something that doesn't affect you or your property, think again!
  April 29, 2008
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• Watch Out for Mortgage Scams
  If you have bad credit and are struggling to pay your mortgage, watch out for scam artists looking to profit from your financial woes.
  April 25, 2008
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• How Your Credit History Affects Qualifying for a Bad Credit Mortgage
  It helps to understand what you need to do to qualify for a bad credit mortgage. This article will shed some light on how lenders look at your credit history to qualify you for a home loan.
  April 24, 2008
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• Bad Credit Home Loans: How the Truth in Lending Act Can Help You
  A bad credit mortgage often means higher fees and interest. The Truth in Lending form can help you understand the cost of your home loan.
  April 24, 2008
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• Getting a Bad Credit Mortgage: How Bad is "Bad"?
  Even with bad credit, you may qualify for standard mortgage financing. Here are some steps that can help you save on your new home loan.
  April 23, 2008
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• Should I Get a 40-Year Mortgage Loan?
  If you have bad credit you may be considering a 40-year mortgage loan. Here's what you need to know before committing to one of these loans.
  April 23, 2008
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• What Kind of Mortgage Can I Apply for With a Bad Credit Score?
  Having bad credit can make obtaining a mortgage difficult. However, there are loan programs out there that can make home ownership a possibility for people even if they have a low credit score.
  April 23, 2008
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• How Bad Credit Can Lead to Foreclosure
  With the number of foreclosure filings on the rise, here's what you need to know about the foreclosure process to avoid losing your home.
  April 22, 2008
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• Subprime Mortgage Freeze Will Help Some Homeowners with Bad Credit
  Plan to freeze some subprime mortgages will help some people with adjustable rate loans but not all.
  April 22, 2008
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• Watching the Foreclosure Market: Signs that May Signal a Turnaround
  The surge in mortgage foreclosures has many potential homebuyers sitting on the sidelines. How do you know when it is time to move?
  April 21, 2008
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• Should the Government Stop Home Foreclosures?
  As the mortgage meltdown continues and more homes go into foreclosure, more and more laws are being presented to Congress to stop the foreclosure flow.
  April 21, 2008
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• Homebuyers are Benefiting from Home Foreclosures
  Is there a silver lining in the recent mortgage meltdown? Find out how home foreclosures are actually helping new home buyers.
  April 21, 2008
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• Can HR 3915: Title 1 Help Prevent Home Foreclosures?
  As home loan mortgages default and turn into home foreclosures can anything be done to stem the tide? How current legislation may help prevent home foreclosures.
  April 21, 2008
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• More Fallout from Home Foreclosures: Lower Loan to Value Rations
  The newest repercussion from the surge of home foreclosures: finding out you are living in a "distressed" area. Find out what this means to you and your ability to refinance or purchase a home.
  April 20, 2008
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• New FHA Home Loan Limits May Help Those at Risk for Foreclosure
  The FHA has raised its loan limits which could save distressed homeowners from possible mortgage foreclosure.
  April 20, 2008
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• Bad Credit Mortgage Shopping
  If you have bad credit, getting a mortgage can be challenging. Here are some tips for how to minimize problems with your new home loan.
  April 19, 2008
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• Bad Credit Mortgages: Comparing Loan Types
  When you have bad credit it's important that you really consider what kind of home loan you choose. Mortgages are not "one-size-fits-all".
  April 19, 2008
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• The Adjustable-Rate Mortgage: The Right Bad Credit Home Loan?
  Looking for an alternative to the fixed-rate mortgage? Find out whether the adjustable-rate mortgage is the bad credit home loan you need to help accomplish your goals.
  November 23, 2007
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• Bad Credit Mortgage Help: Understanding Your Credit History
  Don't underestimate the impact your credit history will have on qualifying for a bad credit home loan. The better you understand how lenders look at your credit report, the more you can do to help improve your situation.
  November 21, 2007
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• Preparing for Your Bad Credit Home Loan: A Self Interview
  Before you apply for your bad credit mortgage there are some questions you need to ask yourself. By taking the time before making a decision you could be saving yourself from trouble later down the road.
  November 19, 2007
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• Home Foreclosure vs. Pre-Foreclosure Short Sale: How will You be Affected
  Homeowners in danger of a mortgage foreclosure may wonder if a short sale is better on their credit rating.
  November 16, 2007
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• Home Foreclosure Risk: A New Bill May Help Homeowners Prevent Foreclosure
  A new bill introduced on Capital Hill may offer some relief from those in danger of a mortgage foreclosure.
  November 14, 2007
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• Bad Credit? Get a Home Loan You Can Afford
  Ready to apply for a bad credit home loan but not sure how much you should apply for? Follow these guidelines to make sure you end up with a home loan that fits your budget.
  November 5, 2007
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• How the Home Mortgage Disclosure Act Helps Bad Credit Borrowers
  It helps to be an educated homebuyer when shopping for a bad credit home loan. Find out how the Home Mortgage Disclosure Act works to protect you.
  October 26, 2007
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• Bad Credit or Not, Now is the Time to Buy a New Home
  Thinking about buying a new home but afraid your bad credit will prevent you from achieving this goal? Now is a great time to be shopping for a new home so don't let your bad credit stop you!
  October 24, 2007
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• What to Expect When Applying for a Bad Credit Mortgage
  Buying a home for the first time? Not sure how the process works? This article can provide some help on what to expect when applying for a bad credit home loan.
  October 19, 2007
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• Renting after a Mortgage Foreclosure
  Finding a new home after a home foreclosure can be difficult. Find out what you can do to help your chances in finding a rental.
  October 17, 2007
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• Short Sales can Help Prevent Home Foreclosures
  Worried about a possible home foreclosure? Talk to your lender about a short sale to avoid foreclosure.
  October 8, 2007
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• How to Prevent a Mortgage Foreclosure
  We are reading about the historical jump in the rate of mortgage foreclosures. What can you do to protect yourself and prevent your own mortgage foreclosure?
  October 5, 2007
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• Surviving Home Loan Lender Bankruptcies
  We have all heard that the surge in home foreclosures is hard on mortgage lenders. But what do you do if our lenders go bankrupt?
  September 28, 2007
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• New Lender Guidelines to Protect Against Home Foreclosures
  New lending guidelines are trying to stop the flood of home mortgage foreclosures. What do you need to know before applying for a new home loan?
  September 24, 2007
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• Bad Credit Mortgage Tips: the Hard Facts of Rebuilding Your Credit
  You have bad credit and want to qualify for a home loan--what should you do to rebuild your credit. Just as important, what shouldn't you do?
  September 21, 2007
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• Annual Percentage Rates (APRs) and Bad Credit Mortgages
  APR can be useful for loan shopping, but other disclosures are more helpful if you are shopping for a bad credit mortgage.
  September 19, 2007
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• Bad Credit? Understand the Benefits of a Fixed-Rate Mortgage
  When you have bad credit it's important to tread carefully when purchasing a new home. Make sure that the mortgage you select is right for you.
  September 10, 2007
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• How are Mortgage Foreclosures Affecting Your Ability to Get a Home Loan?
  With the increase in mortgage loan foreclosures, lenders are drastically changing the way they do business. Find out what this means to you if you are looking at a new home loan.
  September 7, 2007
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• Buying Home Foreclosures
  There are a lot of foreclosures on the market these days and many homebuyers hope to get a great deal. What you need to know about bank owned properties.
  September 5, 2007
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• Purchasing Foreclosure Property
  If you patience and are willing to put some muscle and tlc into a new home, maybe a foreclosure property will work for you? How do you find properties in foreclosure and what do you need to look for.
  September 3, 2007
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• Forecasting Foreclosures
  The housing market is caught in a vicious cycle--one that is creating a housing slump and an increase in mortgage foreclosures. Can this cycle be broken?
  August 31, 2007
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• My Credit is Really Bad--Can I Get Approved for a Home Loan?
  Think you can't get approved for a home loan because of your bad credit? Think again! You just have to follow a formula to get into your new home.
  August 29, 2007
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• Adjustable Rate Mortgages: The Right Tool or Not? Only You Can Tell
  For many homebuyers an adjustable rate mortgage or similar alternative home loan is an excellent tool, for others it can be a step towards foreclosure. Learn how to tell the difference.
  August 24, 2007
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• New Hybrid Option ARM's to Help Prevent Mortgage Foreclosures
  Option ARM's get bad press for today's high rate of home foreclosures. How are they changing to help prevent mortgage foreclosures?
  August 20, 2007
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• Minimize Your Foreclosure Risk
  Understand the mortgage process and avoid mortgage loans that can lead to a higher risk of home foreclosure.
  August 17, 2007
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• Improve Your Chances of Getting a Bad Credit Mortgage: Understand Your Credit Report
  More and more lenders are adopting tougher standards for borrowers with bad credit. Understanding your credit report, and how you can improve it, can help you get the home loan you want.
  August 8, 2007
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• Communication Can Help Stop the Threat of Mortgage Foreclosure
  Don't put your head in the sand and hope your mortgage troubles will go away. Call your lender today to talk about your situation. It might help you avoid foreclosure.
  August 6, 2007
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• Preventing Foreclosure: Should Mortgage Originators Be Regulated?
  If the loan officer selling you a mortgage was selling furniture last week, how do you know if you are getting a good home loan or one that may expose you to a high risk of mortgage foreclosure?
  July 30, 2007
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• Bad Credit Home Loans: What do Credit Unions Have to Offer?
  With bad credit, it is critical to shop around and compare home loans with multiple mortgage lenders. If you're curious about what credit unions can offer, here's a peek.
  July 25, 2007
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• Silent Seconds Can Lead to Mortgage Foreclosures
  One of the best ways to prevent a mortgage foreclosure is to avoid risky mortgage practices. Find out why silent seconds are adding to the foreclosure problem.
  July 13, 2007
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• Five Tips for Getting a Bad Credit Mortgage
  Interested in getting a home loan but want to make sure you get the best deal you can? These tips can help you prepare for your mortgage shopping.
  July 6, 2007
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• The Impact of Bad Credit on Getting a Home Loan
  For many consumers the knowledge of their bad credit prevents them from even considering applying for a new home loan. If you think your bad credit means you can't buy a home, think again!
  July 2, 2007
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• Looking For a Home Loan? Clean Up Your Bad Credit Before You Make a Move
  For those with bad credit, home shopping might be easy but getting a home loan can be tough. Make things easier by taking the time to clean up your credit report.
  June 29, 2007
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• Bad Credit Home Loans and Fair Lending Practices
  It's important to understand bad credit is not a mark of shame and does not mean that you will be treated any differently when applying for a home loan.
  June 27, 2007
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• Avoid Predatory Lending and Unregulated Bad Credit Lenders
  Borrowers with bad credit have been targeted by predatory lenders. According to the FDIC, about half of subprime loans are made by federally unregulated lenders.
  June 25, 2007
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• Understanding Mortgage Foreclosure Terminology
  One way to help stop mortgage foreclosure is to understand the process. Here's what you should know about the foreclosure process and the terminology that defines it.
  June 1, 2007
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• FHA Reform Could Mean Good News for Bad Credit Borrowers
  If you, like many U.S. homeowners, have gotten into a spot of trouble over your mortgage, help could be right around the corner.
  May 23, 2007
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• Bad Credit Mortgage Shoppers Go Online For More Options
  With the subprime mortgage business suffering bad credit borrowers need to shop smarter. The smart shoppers will use the Internet to find their home loan.
  May 21, 2007
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• Risky Repair Practices Can Lead to Home Foreclosures
  We have all heard that home foreclosures are soaring and lending guidelines are tightening, so why are some lenders still engaged in pre-foreclosure practices?
  May 9, 2007
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• Bad Credit Home Shopping: The Importance of a Good Real Estate Agent
  Shopping for a new home? Make sure you have a good real estate agent on your side.
  May 4, 2007
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• Bad Credit Mortgages: Interest Rates and APR Explained
  Understanding the terminology of the mortgage business can make a big difference in helping you shop for a home loan. Read on to learn the difference between the interest rate and annual percentage rate.
  May 2, 2007
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• Bad Credit Mortgage Shopping: Get It Locked In
  In today's market it is more important than ever for those with bad credit to shop around for the best deal. When you negotiate your offers make sure to get the rate locked in.
  April 30, 2007
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• Bad Credit Home Loans: The ARM is Not For Everyone
  Looking for a mortgage and considering an ARM? Find out if an adjustable rate mortgage is right for you.
  April 25, 2007
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• Pre-qualifying Before Buying Can Help Prevent Home Foreclosures
  One of the best ways to prevent a home foreclosure is to find a home you can afford. To insure your payments are affordable, contact a loan officer and find the correct home price range for you.
  April 23, 2007
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• Mortgage Impound Accounts May Help Avoid Home Mortgage Foreclosures
  Not only have sub-prime/high risk mortgages contributed to the rise in home foreclosures, but the lack of mortgage impounds is creating trouble as well.
  April 20, 2007
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• Mortgage Forbearances: An Alternative to a Home Foreclosure
  If you've missed a few house payments and are worried about a mortgage foreclosure, you're not alone; unfortunately, mortgage foreclosures are becoming more and more common. Is there something you can do to prevent a home foreclosure?
  April 18, 2007
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• Bad Credit Mortgages: Points Explained
  For many homeowners with bad credit, the process can be confusing and sometimes a little scary. Lenders and loan brokers throw out terms and phrases that you might not understand. Let's start by explaining the term points.
  April 6, 2007
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• Bad Credit: Five Suggestions for Getting a Mortgage
  Having bad credit doesn't mean you won't be able to qualify for a mortgage. Find out what you can do to improve your chances.
  March 26, 2007
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• Bad Credit? A New Home Loan Could Help
  Where does bad credit leave you in a new home loan? You may have fewer options than those with good credit, but if you can get approved, your mortgage payments can help you improve you credit.
  March 19, 2007
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• Bad Credit Home Loan Options with the FHA
  The FHA has been helping people buy the home of their dreams for years. Find out how you might be able to qualify even if you have bad credit.
  March 14, 2007
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• California Mortgage Shoppers: Wall Street's Losses May Be Your Gain
  Don't let recent stock market volatility delay that home equity, refinancing, or new home loan; in fact, Wall Street's loss may be the mortgage shopper's gain.
  March 12, 2007
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• Bad Credit and Can't Make Payments? Don't Ignore the Problem
  What are your options when you can't make your mortgage payments? Don't fall for scams promising help; weigh your options carefully and protect your future.
  March 5, 2007
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• Bad Credit Mortgages: Making the Impossible Possible
  Bad credit can be an obstacle, but it doesn't mean that you don't have options.
  February 28, 2007
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• Understand Your Credit Report Before You Apply
  Applying for a new home loan? Before you do, check your credit report and make sure you're painting the right picture.
  February 26, 2007
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• Getting a Home Loan: The Biggest Myths About Your Bad Credit
  In the market for a new home and worried about your bad credit? Clear up the myths about your credit score.
  February 23, 2007
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• Understand Your Credit Report Before Applying For a Home Loan
  Applying for a bad credit mortgage is hard enough. You shouldn't have to struggle to understand your credit report.
  February 7, 2007
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• Bad Credit Mortgage: 5 Tips to Avoid Predatory Lenders
  If the bad credit home loan you're being offered sounds too good to be true don't take any chances -- it probably is!
  February 2, 2007
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• Over the Edge: The Mistake that Can Force You into a Bad Credit Mortgage
  Buying big ticket items when shopping for a mortgage can force a marginal borrower into a bad credit mortgage loan.
  January 31, 2007
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• Didn't Quite Make the Grade? Understanding Your Bad Credit Mortgage Options
  Not all bad credit mortgages are created equal. By understanding how lenders grade their subprime customers, you may get a better loan and pay less.
  January 29, 2007
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• Do you have bad credit? You may still get a mortgage loan and make a smart real estate investment
  With a bad credit mortgage loan, you can still take advantage of falling housing prices, and make a good real estate investment.
  January 26, 2007
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• Getting a Purchase Loan in Spite of Bad Credit
  You have bad credit but you still have rights. Know your rights, get a better mortgage loan, and keep predatory lenders from taking advantage of you.
  January 3, 2007
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• The Good, the Bad, and the Ugly Bad Credit Lenders
  Bad credit loans are supposed to be stepping stones to financial recovery, not an albatross around your neck. Fortunately, there are simple steps you can take to make sure your bad credit mortgage loan is a blessing, not a curse. Consult your options, avoid any labeled 'high cost' by the Fed, and don't agree to restrictive terms like prepayment penalties. Be realistic about your ability to pay off the loan, and you'll pave the way to a secure future.
  December 15, 2006
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• Seven Ways to Turn Around Bad Credit
  Bad credit loans can be an effective means of achieving good credit, if you play your cards right. These seven credit management strategies can help you make the most of a new loan opportunity, minimizing past damage to your credit and building a strong financial future.
  December 13, 2006
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• Getting a Bad Credit Mortgage Loan in California
  You want to get a mortgage loan, but you've got bad credit. Mortgage lenders offer a variety of programs that can help you buy a home, but they need your help in order to assist you.
  December 11, 2006
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• California Mortgages for People with Bad Credit
  Bad credit creates additional headaches for California homebuyers faced with high prices and confusing loan programs. There are solutions if your credit is less than perfect.
  December 6, 2006
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• Going Broke in the Golden State: Bad Credit in California
  Since the gold mining days, California has had boom and bust cycles. Here's how to use the recent real estate boom to help repair bad credit.
  December 4, 2006
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• Bad Credit Equals a Bad Credit Mortgage
  Want to get the worst loan in town? Neglect your credit and you can easily set yourself up for a bad credit mortgage.
  November 13, 2006
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• Understanding Secured Bad Credit Loans
  While there are many forms of loans available to persons with bad credit, the choices really come down to two primary loan types: secured and unsecured. Secured poor credit home loans offer significant benefits over unsecured borrowing.
  November 13, 2006
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• Credit Score Calculations and Bad Credit
  There are many misconceptions about credit reports and what constitutes bad credit. If you've been told you'll need a bad credit mortgage, you should understand your credit scores.
  November 13, 2006
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