Imperfect/Bad Credit Loans

A bad credit loan is an option to consider for people who are struggling to find credit from other sources for their home mortgage. It's likely that the interest rates levied on such loans will be high, a reflection of the borrower's lack of other choices and the fact that they're likely to have a poor or non-existent credit history. Most, if not all of the above described 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 will be lower. Most lenders have special divisions specifically created for the marketing and sales limited programs as incentives, when they recognize an area where there is a need.


  • 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 high interest rates.
  • Terms may not be as favorable.
  • Harder to get long term fixed loans.
  • Loans may have prepay penalties.

We specialized to help customers with imperfect and bad credit. This may be your golden opportunity to re-establish your credit and recover from overwhelming debt or consolidate your high interest debt in one easy, a low interest monthly payment, or buy a new home with low interest rate with poor or imperfect credit. We take exceptional pride in helping homeowners repair their credit and putting them on the golden road to recovery.

Even if you have been turned down for a home loan before, or you do not think that you can qualify - We can help you even if you fall under categories like late payments, no credit, collection accounts, unemployment or laid off, turned down by a bank, judgments, liens, and charge offs.

Please call (616) 633-3692 to learn more or click the button below to request a free consultation with one of our mortgage advisors.

Free Consultation Request