Which is the best home mortgage company for people with bad credit?
825908
Contact a mortgage broker. they are very well educated as to what lenders are the best for each type of situation. I work for a sub-prime lender named New Century Mortgage. There are many out there such as Long Beach Mortgage, Countrywide has a sub-prime division, Ameriquest, First Franklin and MANY others! Most places do not do direct consumer lending and the only way you can get a loan is to go through a mortgage broker.
734436
If these are your three scores - all three will be taken into consideration to determine an "average" Fico score.  Your avg score is about 547.  It's not all that great but a mortgage company can definitely find a lender who can fund a loan.\n\nDon't go on your own to a big whig company like Wells Fargo or Citibank - you need to find a realtor and/or loan officer that specializes in funding for ALL types of credit - good as well as bad.  You might not receive the best of interest rates, but you will get your foot into the door of your own home - rebuild your credit and then simply refinance for a lower rate in the future.\n\nIn addition what happens sometimes is the mortgage company will find an 'initial' lender to fund the loan - usually the mortgage company will do it or another small time lender...and after you close then they sell the loan to an established lender such as Wells Fargo or Capital One, etc.  Either way - you can get approved, just take your time and search for the best person to work with your credit.
874092
Never heard of them, but i have used a debt settlement company that did a good job. \n\nhttp://www.expert-credit-advice.com/ \n\nYou may want to research whatever companies you are considering by checking out the bbb http://bbb.com/ \n\nAlso the state attorney general.
789047
Contact fannie mae (www.efanniemae.com)  they have recently added some programs for their MyCommunityMortgage thing that is meant to help people like yall.  I work at a mortgage company and we have been able to get people in homes when they had bad/nocredit no savings no down payment no assests. Youd be surprised what you can get if you go through the right lender. good luck!!!
464183
I do loans for people with bad credit all the time- and some are really bad.  Your best bet is to have a mortgage professional review your credit, income, and savings and they will be able to tell you what you qualify/ or not qualify for.
352118
try Capital One. but alot of credit card companies will try to work with bad credit just the intrest wont be that low. if that doesnt work try a secure credit card.
196244
Try Capitol One Credit. They help people with not so perfect credit. You can even apply online. Try autotrader.com
823683
I just got this sham deal in the mail today.Outrageous APR for starters.I've never even heard of this company before today.If you want a GREAT card for lesser credit,then you NEED the Orchard Bank card.I've had a few cards of this sort and Orchard destroys the rest for rates,customer service and 2% cash back.\nYou can apply right on the Yahoo! home page.It's the good card for ugly credit.It's always there.\nGo to www.ripoffreport.com and look up applied card bank.Thecardiwant may be there as well,but applied card bank is definitely there.\nOrchard has files there too,but that was from before HSBC owned them.Orchard is by far your best choice if you have limited credit.Stay away from Imagine or Aspire.First Premier isn't terrible,but the customer service really stinks.
466897
Your can buy a house with poor credit owner finace and pay 54% interest and never pay it off its nothing more than a scam.*\n\nWhen you get behind they put you out than turn around and sell it again but they keep you large down payment. Its legal instead of being a sum-lord they or sum financers.\n\nI bought a home through Coldwell Reality last year and the bank they back track your rental and credit history 10 years a house is the hardest thing in this world to buy.
625098
What is your definition of terrible? There is always a loan out there but getting it can require out of pocket funds to qualify. If your credit is really bad most lenders will not finance a 100% purchase so you'll need to come into the deal with funds for the down-payment and closing costs.\n\nGive me a call or drop me an e-mail and we can go over your specific scenario.\n\nKruorock@firstratelending.com\n866-562-6838 x 106
415563
I have horrible credit myself and couldn't even get a credit card. However, I could buy a car at one of those buy here pay here places that does in house financing. I have the payment taken directly out of my checking account and I'm sure once I pay off my Cadillac, my credit will be somewhat ok. The interest rate sucks but it is well worth it to repair my credit. If I don't I will never be able to buy a home. Even try one of those rent a center places.
1110952
if you want a mortgage, i have heard good things about American Equity Mortgage, they are in more than 40 states, i think...\nthe advertisements i have heard says they help people with bad credit and bankrupty
358219
www.naca.com\n\nThey are a non-profit organization that helps people in your situation.  They will work with you to improve your credit and get financially stable (though your own hard work, mind you!).  They do their own lending.  So when you are ready to buy, you work with a NACA approved realtor and NACA funds the deal.  You don't need a big downpayment and their rates are usually a little less than a bank would charge you.  \n\nThey got their money through a settlement against Fleet Bank for predatory lending.  Their whole focus is on helping people get their foot in the door of owning their home because it's one of the biggest ways to stabilize yourself and get financially secure.  Good luck, hope the info helps!
49021
Try Advanced Credit Systems.\n\nVery reliable and great pricing!
435787
Be carefull with any credit repair agency.  Alot of times you will end up with a lower credit score when it is all finished. Just sleep with one eye open with all these companys.
28274
I would stick to a mortgage company.  Don't go to a bank they usually have higher standards on credit.  Check out lendingtree.com.  They compare rates.
998226
Some reputable lenders...\n\nSallie Mae Education Loan Trust (as opposed to Sallie Mae Servicing, the better-known loan *servicer*)\nCitibank\nCitizens Bank\nBank of America\nNelnet\nAMS\nEdAmerica\nNellie Mae\nAccess Group\nCampus Door\nKey Bank\nMEFA\nNational Education\nWells Fargo\n\nFor a longer list, try this website: http://www.finaid.org/loans/privatestudentloans.phtml\n\nRemember, not all student loan lenders are created equal.  In general, try to avoid lenders who get their business by bypassing the Financial Aid Office ("direct marketing"), lenders who specifically target applicants with bad credit, or lenders that haven't been in business very long. Look for a company with a good reputation that offers a loan with terms that make sense to you.