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Allowing them to lower their minimum requirements for a loan. No longer do you need to have a 620 credit score, people with poor credit can get approved. These "bad credit home loans" are known as a sub-prime mortgage. FHA loans allow for poor credit scores as low as 500 with 10% down and 580 score with 3.5% down.

Allowing them to lower their minimum requirements for a loan. No longer do you need to have a 620 credit score, people with poor credit can get approved. These "bad credit home loans" are known as a sub-prime mortgage. FHA loans allow for poor credit scores as low as 500 with 10% down and 580 score with 3.5% down.

Getting a Mortgage with Bad Credit. If you have bad credit and fear you’ll face a loan denial when applying for a mortgage, don’t worry. You may still be able to get a mortgage with a low credit score.

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Getting a mortgage with bad credit – that is, a credit score of about 579 or below – can be difficult, but you still have options for loans with favorable terms and APRs. Traditionally, home loans for bad credit borrowers fell to the risky subprime mortgage sector.

Since we work with FHA loan officers which have access to these products that lend below 640 we are showing you a path to homeownership even if you have bad credit. There are limits on how bad your credit can be – for anyone below a 500 score there are no options until you can improve your credit.

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Talk to our specialists about FHA, or bad credit home loans. Gov Home Loans can help. GovHomeLoans is a Denver, CO based provider of mortgages & FHA refinancing for individuals with bad credit and debt.. you can buy a home with bad credit now. Talk to one of our bad credit mortgage lenders or.

Refinancing a Mortgage With Bad Credit. Refinance; Home Equity. Contact your mortgage servicer (the company you send your mortgage payments to) to inquire about options. However, if your poor credit is due to lesser factors, such as an occasional late car payment or high levels of credit card.