Bad Credit Mortgage Solutions
Get approved for a home loan even with credit challenges. We specialize in helping borrowers rebuild their credit and achieve homeownership.
GET PRE-APPROVEDProgram Benefits
Credit Score 580+
FHA loans accept 580+ scores
Recent Bankruptcy OK
2 years after discharge
Foreclosure Recovery
3 years after foreclosure
Manual Underwriting
Look beyond credit score
Credit Repair Guidance
Improve score before closing
Co-Signer Options
Add qualified co-borrower
Frequently Asked Questions
What credit score do I need?
FHA loans accept 580+, some programs go as low as 500 with 10% down. Conventional typically requires 620+.
How long after bankruptcy?
FHA: 2 years after Chapter 7, 1 year into Chapter 13. Conventional: 4 years after Chapter 7.
Can I improve my score quickly?
Pay down credit cards below 30% utilization, dispute errors, become authorized user on good accounts. We can guide you through the process.
Will my rate be higher?
Rates may be 0.5-1.5% higher with lower credit scores, but you can refinance later after improving your credit.
Ready to Get Started?
Get pre-approved and discover your financing options today.