Less than Perfect Credit Mortgage loan programs vary depending on the borrower's credit. Home mortgage loans for bad credit are available for refinance, purchase, or refinancing with cash out. We can usually close these loans within 7 to 10 days with proper documentation. Your loan is approved based upon the income and assets you state on your application, credit score, and property value.

• Had a Bankruptcy?
• Have late payments on your existing mortgage?
• Want to consolidate your bills into one low monthly payment? 
• Need relief from the harassing calls of creditors?
• Need extra cash?  (use it for home improvements, education, child support, or a new car).
• Temporarily unemployed , in between jobs?

If you can answer yes to any of the above questions, you may want  to refinance. We have a personal interest in your success. That's why you'll notice:

• Higher level of customer service
• Flexible guidelines: 100% financing with 560 FICO score (580+ for 1st Time Buyers) on Full Doc
• 80% financing with 620 scores on Stated Income!!
• 90% Financing with credit scores down to 530 (No over 30 days late mortgage history)
• 100's of different programs to choose from; Collections under $5,000 do not have to be paid. *(#FMF)
• Convenient online applications
• Quick closings

   *Loan terms are subject to change.

Please note that you may also qualify for an FHA loan if you have low credit scores & 2 years of consecutive employment.  This may be a better alternative if you can provide income documentation.
This is actually a very good choice in 2008.

Need a Credit Card and have Bad Credit? Apply for an Orchard Bank credit card! It is the best card to start rebuilding your credit after a bankruptcy or other unfortunate event.