Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.
Providing financing in Lucas, Cuyahoga, Lorain, Medina, Wood, Summit, Montgomery, Licking, Deleware, Warren, Hamilton, Butler, Franklin, Fairfield, Stark, Wayne, Knox and many other Ohio counties.
Providing home mortgages in Findlay, North Ridgeville, Highland Hills, Beachwood, Moreland Hills, Ashtabula, Rock Creek, Delaware, Franklin, Brunswick, Geauga, Grafton, Lorain, Green, Bath, Sandusky, Port Clinton, Huron and many other Ohio communities.
Providing mortgage financing in Cleveland, Cincinnati, Toledo, Bowling Green, Columbus, Akron, Canton, Avon, Strongsville, Avon Lake, Solon, Dayton, Medina, Wooster, Youngstown, Alliance, Mentor, Elyria and many other Ohio cities.


Bad Credit Refinance

If you are a home owner and have bad credit, you may still be able to refinance your mortgage.

Bad credit refinance is easy to do in Texas. The important part is how you pay your mortgage. As long as you have a good payment history, you will be able to refinance. Your credit score is important, but that is not the only thing a lender will look at.

Many sub prime lenders will allow medical collections to be left open and any accounts that may be in collection to be left open as well. The guidelines vary from sub prime lender to sub prime lender so be sure to contact me, David J Zwierecki at 888-418-4467 with any questions you may have.

A good Mortgage Professional will be able to help identify what the problems are with your credit history and provide you some strategies on how to improve your credit.

If your credit is in jeopardy and you need to refinance do not expect the low rates you hear advertised on the radio. The low rates you hear quoted in mortgage advertisements are mainly geared towards the borrower with perfect credit.

There are even many programs available for people who have just gotten out of bankruptcy, and also for those people who are still in a bankruptcy.

Most of the time, lenders who do these types of loans do not look at your payment history on revolving accounts, such as credit cards. They are more concerned with your payment history on your mortgage.
Even if you have had late payments on your mortgage in the past or currently, you still may be able to refinance and get the cash-out that you need.

Bad credit mortgage loans are considered "non-prime" loans. Banks usually charge a higher interest rate to justify the higher default risks associated with nonprime loans.

Many mortgage professionals have access to non-prime lenders who work with people that have run into financial trouble. Their guidelines are often quite flexible and their initial qualifying criteria is generally based on the loan to value of your home.

If your credit score is below 500, you will not qualify for almost all the major conventional mortgage types, however you may still have options. If your first mortgage loan amount is lessthan 60% to 65% of the current market value of your home, you may still be able to refinance your mortgage.


If you have any questions regarding our products, you can contact us by calling or e-mailing us and we'll get back to you as soon as possible. Thanks!



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