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.

Even after a bankruptcy, buying a home can become a reality as you begin to recover your credit score. Improve your spending habits so that you no longer spend more money than you make. Additionally, make sure that you make all of your payments on time: bills, rent, other loans. When you show improvement over past spending habits, your credit score improves, helping you accomplish a better credit score.

Fixing mistakes on your credit report

Buying a home after bankruptcy can be held up by mistakes on your credit report. A few months after your proceedings have closed, and your debts have been wiped out, you should check your credit report. Sometimes the credit bureaus have accounts included in bankruptcy proceedings listed as “open” or “past due.” This is not good for your score. Make sure you contact the bureaus and insist that they are listed as part of your bankruptcy. This will help your score.

Starting slowing with more credit

After a bankruptcy, you need to find ways to get credit again. Make sure you take a disciplined approach. You need an installment account, like a car loan, to help you re-establish your credit, and you will need a revolving account, like a credit card. Many car dealers offer programs that can help you rebuild through special loans. Also, if you can't get an unsecured credit card, get a secured card. Make all of your payments on time and in full, and you will be surprised how quickly you begin to recover. However, your interest rates will probably be higher.

Buying a home after bankruptcy

After your credit score has been rebuilt, you can then try for a home loan. Even if the bankruptcy is still on your credit report (and it can be there for up to 10 years), if you are showing that you can handle credit more responsibly now, you will probably be able to get a new home.

Our Recommended Bad Credit Mortgage Lenders: