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Archive for the 'Mortgage Refinance' Category

4 steps to refinancing with bad credit

While few bad credit mortgage lenders stayed in business after the housing crisis, homeowners with credit problems still have a variety of options for home refinancing depending on their individual circumstances. To find out if a home refinance is possible for you, enter your information on this page and…

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Factors that influence your credit-repair loan

While credit-repair scams can be found in abundance, the best way to improve your credit is to take steps to reduce your debt and to pay your bills on time. A bad-credit home loan, whether it's a home refinance or a home-equity loan, can help your cash flow, solve your debt problems and reduce your credit problems.

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5 options for refinancing with bad credit

Mortgage lenders, whether or not they offer bad-credit mortgage refinancing, review your credit, your home equity, and your debt-to-income ratio to determine whether they can approve a new home loan. While you likely know if you have credit problems or debt problems, you need to start the home refinance process by checking with a lender to find out your credit score. Enter your information on the form on this page to see if you qualify to refinance your mortgage.

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New year, new mortgage: Refinancing when underwater

The Home Affordable Refinance Program (HARP) is a U.S. government program that helps homeowners refinance, even if they are underwater. The first version of HARP had problems, and relatively few homeowners were helped.

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Refinancing with HARP 2.0

The Home Affordable Refinance Program (HARP) is a program of the federal government aimed at helping mortgage borrowers, particularly those with little or negative equity for a traditional refinance. When it first debuted, it didn't impress. A big reason for HARP's failure was that it depended on lenders voluntarily reducing the interest rates of captive borrowers who were repaying their loans.

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Refinancing in a declining market

Talk about kicking you when you're down! Many lenders impose stricter credit and property requirements on unlucky folks whose only sin is to have purchased a home in a neighborhood with declining home prices. Here's what you need to know about refinancing in distressed markets.

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Have a bad credit mortgage? Consider refinancing to a VA home loan

Did you know that only 25% of veterans and their eligible spouses use their VA mortgage eligibility? Not everyone eligible for VA financing has credit good enough to be approved for a VA loan. If you bought your home with a loan from a bad credit mortgage lender, you might be able to refinance it today with a VA home loan.

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About Mortgage Credit Problems

Specializing in Bad Credit Mortgages… Because Life Doesn’t Always Turn Out Like You Planned. A sick child, a few late bills, or an unexpected expense can easily get you off track and your credit may suffer, but we don't think you should miss out on the opportunities available to everyone else.

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