Credit Impaired/Less Than Perfect Credit?

NO PROBLEM

Contact America's MortgageBanc for more information

• Late Mortgage Payments
• Low Credit Score
• Purchase or Refinance
• Home Equity Loans / 2nd Mortgages
• Bankruptcy
• Self Employed
• Fixed or Adjustable Rates
• Non Pre-Pay Programs Available
• Approvals within 48 Hours
• Increase Cash Flow
• Pay Off High Interest Non- Deductible Debts

DAMAGED CREDIT:

Do you have low credit scores? Spotty credit? Damaged credit is not the end of the world. Let's face it, most us of us have experienced some kind of credit difficulty in the past. These delicate situations require special attention and experience in handling a wide variety of special financing scenarios. At America's MortgageBanc. We promise to give you the personal attention you need to get back on track. Call and talk to one of our experienced loan officers… it's likely they have helped people in similar situations.

Obtaining a loan approval for a borrower with damaged credit, whether it's for a purchase or a refinance is easier than you think. All credit problems are not treated the same. It may be a situation where you are close to qualifying for a conforming loan, but not enough time has elapsed since the credit problems occurred. There ARE solutions. We generally recommend a 3/1 ARM or 5/1 ARM program where the rate is fixed for three or five year period and then the loan converts to an Adjustable Rate Mortgage (ARM) for the remaining twenty-seven or twenty-five years. With rates that are near those of excellent credit, this is a great way to go, and saves you a lot of money over our competitors programs.

Bankruptcy (Click here for more information)

If you have had a recent bankruptcy and are interested in refinancing or purchasing a new home, you may still qualify for a mortgage loan. This type of financing is usually available at higher interest rates and larger down payments. Call and talk to us to see which options may be available to you.

Debt Consolidation

Most Americans have far too much debt. High monthly debt payments are the biggest reason for late payments. Credit cards, with generally high interest rates, are requiring higher minimum monthly payments. Add to that a mortgage, two car payments and other loans, and you have all the ingredients of tarnished credit. America's MortgageBanc can help structure a loan to combine all or some of your current debt into one loan with one easy payment, saving you hundreds of dollars per month and helping you better manage your finances.

Creative Financing Solutions

With our network of local and national lenders, hundreds of mortgage programs and years of problem solving experience, we have made and can make tough deals come alive. Contact America's MortgageBanc today and we'll be happy to explore the options available to you.

IT IS IMPORTANT TO KNOW THAT IT DOESN'T TAKE LONG FOR YOUR CREDIT TO BECOME DAMAGED, BUT IT DOES TAKE SOME TIME TO REPAIR IT. WE CAN HELP YOU GET BACK ON THE TRACK AND OBTAIN THE FINANCING YOU'RE LOOKING FOR.