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loan type: A-minus Mortgages

for those with less-than-good-credit
Loans that do not meet the credit requirements of Fannie Mae and Freddie Mac are referred to as B, C and D paper loans. Sub-prime lenders underwrite B, C and D loans.

These loans are temporary loans until the applicant can qualify for conforming "A" loans. The interest rate on B/C loans varies, but are generally higher than conforming "A" loans.


More Information:

  1. product summary
  2. keeping your credit report clean
  3. credit report information
  4. APPLY NOW | or call 1-877-777-1370
  5. use "shopping sheet" to compare lenders

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Loan Product Summary


  • For Those with Less-Than-Good-Credit
    loans that do not meet the credit requirements of Fannie Mae and Freddie Mac are referred to as B, C and D paper loans.
  • Loans of this type are made to applicants
    who have filed for bankruptcy, foreclosure and who generally have bad credit.
  • These loans are Temporary Loans
    until the applicant can qualify for conforming "A" loans. The interest rate on B/C loans varies, but are generally higher than conforming "A" loans.
  • "Sub-prime" lenders underwrite B, C and D loans
    however, you are not guaranteed approval. Each lender has their own criteria on approving applicants with less-than-good credit.
  • Clean Up the Credit Report
    some applicants may choose to wait before submitting their mortgage application — this gives them time to clean up their credit report


money saving tip

if you can afford the monthly payment on a 15-year loan, you will pay substantially less money than on the 30-year loan — plus your home will be paid off in half the time

if you can't afford the monthly payment on a 15-year loan, look at the 20-year loan

if you can afford the 20-year loan, consider prepaying some extra money each month

compare mortgage products among multiple lenders to get the best product and price

Another Money Saving Tip

view our program to help payoff your mortgage in 1/3rd of the time saving your thousands in interest

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Keeping Your Credit Report Clean

For a complete review on credit reports and maintaining a strong credit rating, visit our credit management center: click here

Your credit report is used by banks and other lending institutions to determine your credit worthiness.

The report lists any payment delinquencies that you may have had over the past three years.

The report can be a factor in a lending institution's decision to approve or decline your mortgage application. You should review your credit report for any errors before applying for a mortgage.

Allow yourself about 2-3 months prior to the loan application for correcting of any errors that may be on your report.

You have the right under Federal Law to know what is in your credit report.

There are three major credit bureaus that maintains your credit information. A lending institution may use all three bureaus for credit reviews; therefore, you may want to review your credit report from each.

There may be a charge or other related paid-for service to obtain your credit report.

For information:

P.O. Box 105873
Atlanta, GA 30348

(800) 685-1111

P.O. Box 2350
Chatsworth, CA 91313-2350

(800) 392-1122

Trans Union
P.O. Box 390
Springfield, PA 19064-0390

(312) 408-1050

Obtain-Your-Credit-Report Web Sites:

see our credit monitoring center for information


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Credit Report Information

How long does information remain on your credit report

While information regarding your credit habits for the last three years appears on your credit report, no adverse credit information, with the exception for bankruptcy, may be kept on file for more than seven years.

In reviewing your application, lending institutions review the following information listed in your report to determine your creditworthiness:

  • Your current outstanding debt
  • Places and the number of times you have applied for credit
  • The kind of credit you have taken out in the past
  • Late payments
  • Over extension of your credit lines
  • Liens
  • Garnishments
  • Bankruptcy

You need a credit history of at least one year to ensure a good credit report.

While there may be some advantages for being a cash-only buyer, it will not establish a credit history that the lending institution can review.

Cash-only buyers can build a good credit risk by charging small ticket items on their credit card and paying the minimum payment due or the entire credit card balance each month.

A credit score determines the rate the lender may charge you.

The credit score estimates your ability to repay a loan as evidenced by your credit history. A lender will sometimes give you a better mortgage rate based on a good credit report.

Further, a lending institution is less likely to be concerned over an occasional late mortgage payment if you have a good credit report rather than a fair credit report.

Establishing a good credit report can payoff in lower rates and better mortgage management. For more information:

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  1. planning
  2. discipline
  3. execution

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