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Credit Challenged

We can help expand the availability of home finance to borrowers with past credit problems. While sub-prime loans have become a thing of the past, there are still a number of options for borrowers with a history of credit issues.

FHA loans provide an option for the credit challenged. FHA offers loan programs with a smaller down payment than many conventional loan programs. An FHA loan also has guidelines that are less stringent and offer better rates than conventional loans for borrowers with lower credit scores.

There are many conventional loan programs that offer options for borrowers with lower credit scores. While guidelines are more strict than FHA, a conventional loan can still be a good option if you have a little more money available for a down payment.

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