If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.

Mortgage rates are still low. Refinance & Lower Your Payment!
    - Get Started on a Lower Payment Now!
    - America's #1 Online Lender
    - Save More and Spend Less!
    - No Obligation and Free Expert Advice

Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.

Before You Apply

Before you apply for a pre-approved mortgage, you will want to make sure all your financial records are in order. This is a good time to get a copy of your credit report and check it for any errors.

You should also determine how much of a down payment you plan on putting down. If you have good credit, you can get away with 0% down. However, in order to avoid private mortgage insurance, you will need to put down at least 20%.

Look For A Lender

Online mortgage lenders provide more options for financing the purchase of a home. You can quickly scan rates and fees by providing basic information about the loan amount and your income level. These general quotes will not be your final rate since there are many more factors that determine a mortgage financing package, but it is a quick way to find competitive lenders.

Apply For A Home Loan

A pre-approved mortgage is basically just having the application of a home loan completed. With a completed application, your mortgage lender will tell you the maximum amount you qualify to borrow. When you actually purchase your home, you will finalize the paperwork and lock in your rates.

You can fill out your home loan application online, saving you time. Over a secure connection, you provide detailed information about yourself. To quickly find your financial information, use last year’s IRS forms or your bank statements.

Find Your Home

Once your application is approved, you can make serious offers on homes you would like to buy. Take a copy of your pre-approved loan with you when you look at homes. An offer with a pre-approved mortgage will sometimes be snapped up over just a regular offer.

With your offer on the table, you can finish the mortgage loan paperwork and lock in your rate.

Here are our recommended sources for Mortgage Companies online:

These are the Best of the Best:
(updated )

Mortgage rates are still low. Refinance & Lower Your Payment!
    - Get Started on a Lower Payment Now!
    - America's #1 Online Lender
    - Save More and Spend Less!
    - No Obligation and Free Expert Advice

Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.

Act Now! Lower your monthly mortgage payment!     - Competitive rates and no hidden fees
    - Bad Credit OK
    - New Purchases, Home Equity & Refinance
    - One dedicated mortgage banker from first call to closing
    - Quick Application with worthwhile results

If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.

The average rate of interest on mortgage loans continues to fall and has been under 5 percent for almost all of this past year, with this recent round of rate cuts seen as the lowest for borrowers in years. The reason, many borrowers today have bad or at least less than perfect credit scores. Still a borrower with less then perfect credit an jump through a few hoops and get a fairly decen rate on a loan.