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.

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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.

Online Mortgage Loans

Real estate lenders accept online applications through their secure servers. Once your application is approved, final paperwork will be sent to your home so you can review the terms. You will need to sign the paperwork in front of a notary and then mail the forms back to the real estate lender. Your paperwork will be processed, and you will be on your way to buying a home.

Before You Apply

Before you apply for a mortgage loan online, take the time to compare financing rates and fees from several different real estate lenders. Rates can vary as much as 5%, costing you thousands over the course of your loan.

Real estate lenders offer basic quotes online by asking a few basic questions. Within minutes you can look at financing offers from several different lenders, allowing you to pick the best financing rates quickly. However, your actual mortgage rate will be based on more detailed information.

Picking A Real Estate Lender

After you have found a few potential real estate lenders, take the time to fill out the more detailed application for a formal mortgage quote from each lender. Mortgage rates are based on several factors, including your employment history and the property’s location.

When you receive your financing offers, compare both the rates and fees. Only after you have added the total interest you will pay and the fees will you know the true cost of the mortgage loan.

Getting Approved

Getting approved for a mortgage loan simply requires you to submit your application. If you have already requested a detailed quote, then with most real estate lenders your application is practically finished.

Your mortgage loan application will be reviewed, and then final paperwork will be mailed out to you. Once you send your paperwork back to be processed by your lender, you will be on your way to buying your home.

Here are our recommended sources for high risk or bad credit mortgage lenders online: