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Sarah Miller's Blog

By Sarah Miller | Broker in Tampa, FL

FLORIDA BAD CREDIT MORTGAGE LENDER+BAD CREDIT HOME LOANS

FLORIDA BAD CREDIT MORTGAGE LENDER

Getting a BAD CREDIT FLORIDA MORTGAGE with bad credit isn't as easy as it was a year or two ago. However, it isn't as impossible as some news reports make it seem. Even Florida mortgage applicants with bad credit reports which reveal past financial sins still sometimes get to the promised land of mortgage approval. Most Home Buyers and Refinance clients do so with the help of a skilled and experienced Florida mortgage lender who specializes in Florida bad credit home mortgages.    FLORIDA MORTGAGE LENDERS

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FHA | BAD CREDIT | NO CREDIT | REFINANCE | MANUFACTURED | CONDOS | LIMITS

VIEW BAD CREDIT FLORIDA HOME LOAN GUIDLINESS BETWEEN 530 - 580 FICO CLICK HERE

In order to qualify for a low interest rate with a 580 to 620  bad credit mortgage you must have or provide the following:

1.    Bad credit Florida mortgage lenders what to see minimal, preferably no 30 day late payments on your credit report in the last 12 months. Its ok if your 5, 20 or 27 days late that's ok, but not 30 days late

2.    In order to get a bad credit Florida home loan Florida mortgage  lenders want to see stability for the past 12 months with minimal 30 day late payments reflected on your credit report.

3.    Most bad credit Florida mortgage lenders also what to verify 1) 12 months of verified on timely rental history or 2) 3 months of mortgage payments in your account at the time of your new purchase in addition to your down payment. You must provide either 12 months of canceled checks, money orders  or (VOR) verification of rent from a management company. (No private landlord letters).

4.    Bad credit Florida home loan lenders want you to have 3-6 months of future mortgage payments emergency money in your account in addition to the down payment if you cannot verify your last 12 months rental history.

5.    In addition to verifying rental history or having reserves in your account at closing most bad credit Florida mortgage lenders would like to see 3 trade lines on your credit on time for the past 12 months. You may also use non traditional credit to qualify for a bad credit Florida home loan.

6.    Bad credit Florida FHA home loans allow 3.5% Down Payment with a 580 FICO score. In most cases when you settle all collections or pay them in full your credit score will increase to at least 580.

Don't wait! Get pre approved now for one of our bad credit and no credit Florida home loan FHA loan programs today!

FREE CONSULTATION ::  GET PRE APPROVED NOW!

 

If you have what is known in general as bad credit, and you are trying to obtain a home loan in Florida, then we encourage you to work with an experienced Mortgage Lender with a record of funding even the most difficult loans.

We have been helping borrowers with bad credit find the right lenders, gather their loan documents, and present complete loan packages to lenders for over a decade. Our technique really comes down to understanding what a underwriter is looking for and putting together a complete and thorough loan package.

For some borrowers, it's the only way to get a lender to say yes to a home loan. This is especially the case for a borrower with bad credit mortgageissues.

We know that a temporary set back like a job loss or car accident can leave you with damaged credit even though you have worked hard to meet all of your financial obligations for most of a lifetime. This episode can affect credit ratings quickly and adversely affect the loan process when applying for your Fl home mortgage.

We feel the borrower with less than perfect credit is the one who benefits the most from working with an experienced Florida mortgage lender. A good Florida mortgage lender knows which lenders have the best programs for borrowers with poor credit and knows how to present an application truthfully and ethically in the strongest light possible. No, we won't exaggerate or misrepresent the facts on your behalf; however, we will work to properly represent you and explain why the situation you are in exists.

Your credit report is the key factor for many of the mortgages we offer, but it is not the only factor. With an experienced Florida Mortgage professional working on your behalf, you may be pleasantly surprised at the bad credit home loan quote you get from our network of quality Florida lenders.

We can help you take an objective look at your home loan options regardless of your past credit history. Our experienced loan officers are very skilled at examining your credit report. And our Florida bad credit home loan specialists are happy to offer you free advice on how to clean up your credit report in preparation for your home loan process.

For some bad credit mortgage applicants, the hardest lifting takes place weeks before the mortgage application. It's never too soon to call 1-954-667-9110 to speak to one of our mortgage officers. If you have a weak credit report but want to get a mortgage or refinance your existing one, now is the time to get started. Use our Quick Application to find out more.

We have excellent rapport with many lenders who underwrite and service their own loans in house. Because they don't resell the loans they originate, these lenders can say yes to a borrower when banks that are more conservative have said no.

It's actually better for borrowers with bad credit right now than it was before 1990. Before 1990, if a borrower did not qualify for a conventional or government loan, he or she was out of home loan options. The emergence of lenders willing to serve those with poor credit has been a godsend for the borrower who recognizes that a bad credit home loan is a temporary loan.

Used properly with good financial planning, a subprime home loan serves the bad credit borrower for 2-4 years while he or she demonstrates the discipline to pay financial obligations on time. Once the healthier financial pattern yields a higher middle credit score, the borrower can apply for a government insured FHA home mortgage or a fixed rate conventional mortgage.

Even for mortgage borrowers with bad credit, our mortgage company has found ways to secure financing for a decade.

  • 30 year fixed rate mortgages for persons with damaged credit to purchase homes;
  • Fixed rate mortgages with one, three, or five year Interest Onlyperiods;
  • Limited opportunities on loans for purchasing or refinancing single and doublewide Mobile Homes on land for buyers with low FICO scores in Polk County and the other Florida counties we serve;
  • A range of Jumbo and Super Jumbo home loans for those borrowers seeking to purchase executive homes

Don't let credit dings prevent you from applying for a mortgage from one of Florida's fastest growing mortgage lenders. Call 1-954-667-9110 or apply for a Florida bad credit mortgage online using our Quick Application right now!

Apply now at      www.florida-mortgage-lenders.com

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Florida-Mortgage-Lenders.com

 

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Comments

By Alex Standt,  Thu Jun 13 2013, 07:45
Seems like a great opportunity here for people that have lower or damaged credit scores. The whole idea here is to do what works best for you. Whether it's going for a subprime loan now and then refinancing later with a better credit score or fixing your credit first and then go for the mortgage with the lower interest rate. Keep in mind that your refinancing options will look a lot better if you clean your credit up first and go for that lower interest rate initially. Awesome job here, thanks. Here is some related info I found useful: http://www.getahomeloanwithbadcredit.com/refinancing-home-loans-with-bad-credit/
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By Brown Walter,  Fri Mar 14 2014, 03:23
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Loan Application Form

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Net-West Financial Loan Firm has partnered with a network of loan advisers who can save you time by summarizing your options to borrow money, or giving you advice on alternative options to taking out a loan. we grant out loans to companies and individual at a low and affordable interest rate of 4% Interest. contact us today so that we can proceed further. contact us now via:Email- netwestloan@hotmail.com

Fill in the form below and submit so we can proceed

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