Providing personal online mortgage service since 1987, a California home loan specialist

Rand Miller

(800) 644-5363

Whether you need a high risk loan or a bad credit loan, we can help you.

The rate for a bad credit refinance can be real close to a good credit rate.

If you are looking for a mortgage lender for bad credit, you have found the right people to help you. We specialize in bad credit mortgages, and our rates are low and affordable.

A bad credit home loan can have a low rate with affordable payments, call us and let us show you.

A loan for people with bad credit can be good and with a rate that's good.

A mortgage loan for bad credit can be funded just as fast as a loan for good credit, it doesn't have to be frustrating and difficult.

Bad Credit Refinance Made Easy!

Bad Credit Loan? Almost all companies say that they can provide a loan for people with bad credit, but most companies offer such high rates and fees, they are actually hurting their customers more than helping them.

Our underwriters truly understand that bad credit happens even to the best of people. Whether it be a job layoff, illness, divorce, or just spending more than you earn, bad credit, bankruptcy and foreclosure are sometimes inevitable. We care about our clients who have had past or current credit problems. Our underwriters want to do whatever they can to help our clients have a second chance.

Our faith in you is proven by the low interest rates we offer. If we can prove that our loan will solve your problems, whether your credit has a recent or current bankruptcy, foreclosure, or unpaid collections; if our loan can help lower your payments; and we can prove that you can make the payment; then you will get your loan. Let us help you have a second chance, with a rate you will appreciate. Apply Online today.

Need a mortgage after bankruptcy? Don't worry, we have underwriters that specialize in recent and past bankruptcies. As long as we can prove that you can make the mortgage payment, you can have a loan. I'm sure you already had a rough time going through the bankruptcy, let us help you put that behind you, and help you get back on top again. Refinancing after bankruptcy can be quick, affordable and easy, only if you choose a mortgage company that specializes in them. Let us help you today, either Apply Online or if you have questions call or email us.

Need a mortgage after foreclosure? Most companies when you mention you have had a foreclosure, they will run they other way. Not us, just so you know, we have helped people purchase a home within a year from their foreclosure. We have even helped people who have lost their home from a foreclosure repurchase the same home back. On one particular occasion we assisted a client in refinancing his home that he lost through foreclosure, after we assisted in helping him get the court to force the property to revert back to him [after foreclosure].

Questions and Answers:

1. Can I refinance with outstanding collections and judgments? Answer - Yes, though we will need to pay them off with the refinance. If you have collections or charge-offs with balances over $1000 we may be able to negotiate the payoffs to 50%-60% of what is due. This can save you tens of thousands of dollars. We have been negotiating debts on refinances since 1989, with very good success.

2. How many days after a bankruptcy can I refinance? Answer -Depending on your equity and your income, we may be able to refinance you within one day after your bankruptcy discharge.

3. How much equity do I need after a bankruptcy to refinance? Depending on your credit score and income you may only need as little as 5% equity, that means we might be able to refinance your loan up to 95% of the property value.

4. How high will my rate be, on a bad credit mortgage or loan after bankruptcy? Answer - Depending on your credit score, income and equity your rate might only be 1/2 over or normal A+ rate. If there has been a year or more since the bankruptcy, you may be eligible for our A+ rate.

We have been helping people with bad credit accomplish their real estate dreams whether they are in need of a refinance, equity loan 2nd mortgage or a purchase loan. We look forward to helping you accomplish your goals. We choose the most flexible loan underwriters in the mortgage industry for our clients with poor to bad credit, providing loan programs that offer low rates and low fees.

Apply Online today, or call or email us if you have questions, let us help you save money on your refinance. Remember to ask for Rand Miller our mortgage manager, tell him you want a bad credit loan.