We can help expand the availability of home finance to borrowers with past credit problems. These loans are often referred to as Subprime loans. Subprime lenders grade a borrower's credit history on the basis of recent late payments, bankruptcies and/or other credit problems. The terms of the loans they offer are based on the borrower's credit grade: the lower the grade, the higher the rate and the lower the maximum loan-to-value.

Although these loan programs are sometimes referred to as "bad credit loans" within the mortgage industry, we prefer "credit-challenged" or "less-than-perfect credit" because we understand how easily unexpected difficulties can overwhelm even the most financially responsible people. Over the years, we have helped many borrowers with past credit problems get the financing they need to buy a home and start rebuilding their credit. Subprime lending is an expanding and evolving segment of the home finance market and offers credit-challenged borrowers a variety of innovative and flexible programs at competitive rates.

Is a subprime loan a good choice for me? Subprime loans allow borrowers with damaged credit to re-establish good credit while enjoying the financial benefits of home ownership. If you are having difficulty getting a home loan because of past credit problems, contact us. We will be happy to review your credit history and discuss your home finance options with you.

To qualify for a subprime loan, borrowers must satisfy lender guidelines for income, assets, and credit.

To apply for a subprime loan, submit a short online application, or call us at (505) 908-1057 mobile (575) 829-3265 office.