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How Far Back do Mortgage Lenders Look at Credit History?

July 20, 2017 By JMcHood

A bad credit history could mean no mortgage. But just how far back do lenders look? Does one mistake scar you for the rest of your life? Luckily, it probably doesn’t. Unless of course, you don’t pick up the pieces and improve your credit moving forward. Here we will discuss how a bad history can […]

Qualifying for a Home Loan with Poor Credit History

October 6, 2016 By Justin McHood

If you have poor credit history, you do not have to assume that you cannot secure home financing. There are many ways that you can still get the financing you need either right away or in the near future after you make a few changes. While a negative credit history is often a hindrance for […]

What is a Thin Credit Profile?

July 19, 2016 By Justin McHood

Did you know that not everyone needs a credit score to obtain a mortgage? A thin credit profile, as it is called, can still allow you to gain approval for specific loan programs, including the USDA and FHA program, which allows for no or low down payments and very lucrative financing terms. A non-existent or […]

Three Ways you will Pay for Bad Credit with a Conventional Loan

May 17, 2016 By Justin McHood

Most people know that mortgages are driven by your credit score, but they are affected by them more than you might think. Every loan program has a minimum credit score they will allow in order for you to qualify for the loan, but it does not end there. Even if you meet the minimum requirement […]

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When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

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