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Bad Credit Mortgage Loans - No Credit Mortgages & Bad Credit Home Equity Loan

We are bad credit lenders that offer solutions for refinancing or buying a home with bad credit. We help people have been turned down for a home loan because of low credit scores or no equity. Choose from second mortgages, VA and FHA refinance and home purchase options for consumers seeking a 2nd chance. Bad Credit Loans & Mortgages is proud to release VA home loans up to 100%, bad credit second mortgage loans and FHA refinancing for qualified homeowners who have fallen behind on their adjustable rate mortgages. Whether you need a loan modification or the opportunity to refinance a bad credit equity loan, we have the government and subprime lenders prepared to help you with a financing solution. Now is the time to consolidate bad loans and high rate debt into an affordable monthly payment that helps you live below your means. We are one of the only bad credit mortgage companies left who has any experience with government financing and private money lending. Take advantage of our subprime expertise and get a free quote on a mortgage regardless of your fico scores or history of bad credit.

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As one of the last bad credit lenders, we offer bad credit refinancing and fast approvals for home equity, FHA home refinance loans. We will help you roll your 2nd mortgage and 1st mortgage together while allowing cash back and debt consolidation. We specialize in loans for good consumers who just happen to have a limited or bad credit! Apply for a low rate refinance loans whether you are at 75% or 100% loan to value. Our bad credit lenders are trained to help you with financing no matter how much or how little equity you have earned in your home. There's no cost for your application, and in most cases we'll let you know within 24 hours if you're approved. We've made applying easy. Simply apply online, or just email us.

Refinancing Loans with Bad Credit: FHA and VA Refinance

Consolidate your credit card debt with our low interest FHA refinance that may be available even if your credit score is low and you have been late on your adjustable rate mortgage payment. Compare which government mortgage loan is right for you? The FHA secure loan is a forgiving mortgage for homeowners with bad credit scores, but there are specific qualifications that must be met, so check with your refinancing advisor for more details.

Now is the time to take advantage of expanded bad credit lending programs and some of the lowest interest in years. Even with past credit problems, we help people re-establish their credit while consolidating their debt at the same time.

Mortgage Rates Bad Credit

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Bad Credit FHA Loans for Refinancing

HUD introduced this new FHA refinance loan that may help prevent thousands of foreclosures with a simple fixed rate solution

VA refinancing is now available for Veterans seeking for a VA streamline or 100% mortgage with no money down. No equity is required and refinancing with no appraisal is available to qualified military vets.

FHA Refinance Debt Consolidation 100% VA Financing - Bad Credit Equity Loan

Equity Loan Interest Rates- Get Prime rates with fixed monthly payments. Use the equity in your home for construction, investments, or consolidating debt. Even the interest rates for our bad credit equity loans remain at record lows.

1% Payment Choice Mortgage- with rates starting at 1%, this home loan offers more choices and flexibility for homebuyers looking for the low payment options. We also help borrowers that have a negative amortization convert to a simple interest loan that guarantees a fixed interest rate for 15 or 30 year terms.

Get rid of the credit card debt with Debt Refinance Loans that optimize low rates and tax deductibility! Bad credit debt consolidation programs have been extended!

Second Mortgage Rates- Get cash or funds for home improvements without refinancing your first mortgage. Get the lowest rates online and choose from fixed or adjustable interest rates. Bad credit second mortgage options may have changed so check with a loan officer regarding program availability.

If other lenders have turned you down, because your credit score is below 500, consider our Hard Money Home Loans that allow cash out with alternative loan financing.  We are the bad credit lenders with good mortgage rates. As an approved FHA lender, we continue to offer loans for bad credit first time home buyers.


Common Bad Credit Loan Options for Homeowners Seeking Affordable Financing

Mortgage Refinance

Debt Consolidation Loans

Bad Credit Home Equity

  • ARM - Low Rate Mortgages
  • Interest Only - Low Payments
  • 6 Month LIBOR
  • 3 yr Fixed Rate Arms
  • 5 yr Fixed Rate Arms
  • 10 yr Fixed Rate Arms
  • 15 yr Fixed Rate Mortgage
  • 30 yr Fixed Rate Loans
  • FHA Mortgage Loans
  • VA Home Loans
  • Bankruptcy & Charge-offs OK
  • 103% Home Financing
  • Lower your Payments
  • Consolidate All your Debts
  • 1st Time Homebuyers OK
  • Non-Prime 2nd Mortgages
  • No Equity Needed
  • No Mortgage Insurance
  • 100% Home Purchase Financing
  • Fixed Rate Consolidation
  • Bankruptcy & Charge-offs OK
  • Bill Consolidation
  • 100% Home Equity
  • Cash Out Loans
  • No Equity Needed
  • No PMI
  • Fixed Mortgage Refinance
  • Stated Income Loans income
  • Fixed Interest Rate Home Equity loans
  • Bad Credit Home Equity Lines
  • 2nd Home Refinance
  • Adjustable Rate Lines of Credit

Jumbo Mortgage

Bad Credit Second Mortgage

Interest Only Mortgage

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  • Stated Income Home Loans
  • 95% Purchase Loans
  • 80-20 Home Mortgage Loans
  • 1st Time Homeowners
  • Mortgage Loans to $2 million
  • No Asset & No Income
  • Bad Credit Refinance OK
  • 6 Month LIBOR
  • 3 yr Fixed Rate Arms
  • 5 yr Fixed Rate Arms
  • 10 yr Fixed Rate Arms
  • 15 yr Fixed Rate Mortgage
  • Flexible Home Equity Lines of Credit
  • Interest Only Second Mortgage
  • Low Fico Second Mortgage
  • Bankruptcy & Charge-offs OK
  • Cash Out Second Mortgage
  • 80% Second Loans
  • No PMI
  • 2nd Behind FHA Loans
  • Stated Income Loans Income
  • Lowest Possible Payments
  • Interest Only Purchase
  • Interest Only Refinance
  • Interest Only 2nd Mortgage
  • Interest Only Home Equity Line
  • 95% Mortgage Refinance
  • 2 yr Fixed Rate Arms
  • 3 yr Fixed Rate Arms
  • 5 yr Fixed Rate Arms
  • 7 yr Fixed Rate Arms
  • 10 yr Fixed Rate Arms
  • 30 yr Fixed Rate Loans