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Mortgage-Refinance Interest rates and home prices have risen over the years making it harder and harder for first time buyers to qualify for a home loan. Many financial analyst say now is the time to buy a house before rising rates price you totally out of the market.  But what if you have bad credit?  Can you buy a home right now if your credit is not up to par?  For a lot of consumers with bad credit the answer to that question is yes. If you have had credit problems but have a minimum credit score of 580 and stable income, in most cases, you will be able to qualify for a bad credit home loan aka sub-prime mortgage loan. Sub-prime mortgage loans specifically cater to people who have had credit problems such as bankruptcy, late payments, judgments, collections and a high debt ratio. So… what this means is if you have these type of problems you may still be able to buy your dream home now rather than having to wait years while you try to clean up and re-establish your damaged credit history. With a bad credit home loan you should expect to pay a higher rate than you would with a standard conventional loan.  How high of a rate you pay will depend on several factors: Your credit score The lender you choose If your situation places you on the higher end of the interest rate scale then you should view your loan as a temporary solution to turn you into a homeowner with the ultimate goal of improving your credit standing so that you can refinance to lower rate loan in 2-3 years. Bad credit home loans are not available from all mortgage lenders. Only those lenders who specialize in or offer sub-prime mortgage loans will offer these programs.  Make sure you are honest up-front about your financial situation and your credit history when you go to apply for a home loan so that your credit does not get pulled needlessly by a lender who does not even offer the kind of loan products unique to your situation. Just one unnecessary inquiry hit to your  credit can be disastrous if you are teetering on the brink of the minimum 580 credit score because every time your credit report is pulled it has the potential of lowering your score even further. Most lenders who do offer bad credit home loans will advertise this fact. There are also resources on the web that can steer you in the right direction. Websites such as and   offer a wealth of information on home loans for people with bad credit as well as sub-prime mortgage lender sources. About the Author: 相关的主题文章:

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