Wondering how much your mortgage will be? Use our calculators to perform mortgage-related calculations such as your expected monthly payments.

Imperfect or Bad Credit Loan

Many loan programs can be utilized even if a borrower does not have perfect credit. In these cases, the rates will be higher and LTV's allowed may be lower.


  • Potential for reestablishing credit if you pay your mortgage on time.
  • When used for debt consolidation, you may be able to reduce your monthly debt payment.


  • Slightly higher interest rates.
  • Terms may not be as favorable.

Although we are not engaged in the business of credit improvement, we are experienced with imperfect and bad credit. We often encourage borrowers to improve their credit during the application process so that they may secure a low interest rate. A mortgage loan may provide an opportunity to re-establish your credit and recover from overwhelming debt or consolidate your high interest debt in one easy, low interest monthly payment or buy a new home with a relatively low interest rate. Even if you have been turned down for a home loan before, or you do not think that you can qualify, we may be able to help you. Challenges that borrowers commonly encounter include: late payments, limited credit, collection accounts, unemployment or laid off, judgments, liens, and charge offs.