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  We work with smaller lenders and their business is booming. The smaller mortgage banks have competitive rates, plus they will make subprime loans for those with poor credit history. Just like most businesses these days, the lenders are desperate for new customers too. It cost nothing to apply. You are taking zero risk! Submit an application and the odds are stacked in your favor.

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   Home Refinancing
   First Mortgage Loans
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  • FREE, No Obligation Quote!
  • No Application Fees...EVER!
  • Prior Bankruptcies OK
  • Recent Foreclosure OK
  • Self Employed
  • First Time Home Buyer
  • Prior or Current Slow Credit
  • Limited Credit History
  • Reverse Mortgage Loans
  • Equity Loans & Consolidation
  • We Do Refinancing Too!
  • FHA, VA, USDA, Rural Housing


  • Repair Your Credit & Save Thousands! The interest rate you get depends on your credit score. With a score of 700 or more, you can get a coventional mortgage at a rate under 5.5%. With poor credit you could pay over 7.9%, plus an additional $72,000 Interest on a $150,000 Mortgage. Fixing your credit will solve this problem. Even with a prior foreclosure or bankruptcy, your credit report could be cleaned up to score over 700. Check out the companies on this site. Some of them fix your credit for you, and others sell you an inexpensive do it yourself kit. The smart way is to clean your credit, then apply for a loan.

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