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Guide to Homeowner Loans
Here is a useful guide to Homeowner Loans. A Homeowner Loan is a loan secured against your home. Homeowner loans can help you unlock capital tied up in your home. They offer solutions that many other loans do not offer, like long repayment terms....
Home Loans -- Federal Regulators Warn Lenders to Be More Careful
Federal banking regulators have recently expressed some concern over the housing market as home prices in the United States have risen to record levels. While homes are more unaffordable than ever for many people, the lending market remains strong,...
Home Loans For People With Bad Credit - Tips To Getting Approved Online
Buying a home with bad credit doesn’t have to stop you from finding an affordable lender. By shopping online for a lender you can find the best lending rates for your situation. The following search tips will help you get started. Gather Your...
Illinois Mortgage Brokers Will Contact You to Give Different Mortgage Loans
Welcome to Illinoismortgagedepo - The premier consumer service on the web-connecting borrower to top Illinois mortgage brokers and Mortgage Lenders! Our Illinois mortgage brokers have high ethical standards and promise you the best Illinois...
What are Payday loans and how they can be very expensive
What are Payday loans and how they can be very expensive By Joel Teo All Rights Reserved 2005 The media has been telling people about how easy it is to get a payday loan where you can get an unsecured until your next payday. What most people...
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Subprime Mortgage Lenders - Sub-Prime Loans Now Available Through Traditional Lenders
Sub-prime loans are becoming more readily available through
traditional lenders. Even with a bankruptcy or foreclose in your
credit history, you can still find financing for the purchase of
your home. The key to sub-prime mortgages is to do your research
and compare both terms and rates.
Your Credit History
A poor credit history doesn't have to send you running to
sub-prime lenders. For one, you may still qualify for an A loan,
reserved for people with good credit. If your bankruptcy was
four or more years ago and you have established a good payment
history since then, your FICO score is probably over 600, the
requirement for an A loan.
Through FHA loan programs, you can apply for a loan after two
years of a bankruptcy or foreclosure. VA loans also look more
leniently on past credit problems. In the end, don't assume that
because you have an adverse credit history you have to apply for
the higher interest sub-prime loans.
Sub-prime Mortgages
If you find that you do have bad credit, you can still work with
a traditional lender, who may offer you better interest rates.
As financing companies expand their financing options, more and
more companies are adding services for B, C, and D loans.
Sub-prime mortgages are based partly on
your credit history, but
largely on your mortgage or rent payment history. You will want
to provide proof of your rent payments by sending copies of your
rent receipts or checks. Mortgage payments can be verified
through your credit report.
Sub-prime mortgages are just short term financing options. Once
you have improved your credit history, you can refinance your
mortgage for better rates.
Sub-prime Lenders
When you start your search for a sub-prime lender, include all
lenders in your investigation. Request quotes from traditional
lenders as well as those who specialize in poor credit
financing. Compare everyone's financing packages to find the
best rates and terms.
Ideally, you want to find a low APR with no prepayment fees.
Unless you plan to keep your mortgage for seven or more years,
it is probably not worth paying points for lower rates. You may
also find that an ARM will provide lower rates with more buying
power than a fixed rate mortgage.
About the author:
See my recommended
Subprime Mortgage Lenders online. Carrie Reeder is the owner
of ABC Loan Guide, which offers help with loans for people with bad
credit.
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