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Home Loan Wholesale provides bad credit lending with low rate sub-prime home loans and FHA for refinance, purchase and cash out. We know that life throws us curve balls and sometimes homeowners just need a second chance to turn their credit around with new home loan.
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Sub-Prime Home Loans |
Sub-prime home loans refer to non-"prime rate" loans that are offered to borrowers with poor or bad credit scores who do not meet conventional or conforming criteria as outlined by Fannie Mae, and Freddie Mac. Sub-Prime home loans are increasing in popularity as debt consolidation and late mortgage payments have become common-place. The home mortgage rates for sub-prime type loans are surprisingly competitive as mortgage lenders and brokers continue to fight for market share.
Sub-Prime lending guidelines have eased up recently to encourage more borrowers to refinance their adjustable rate mortgage or to consolidate credit card debt with their mortgage. Potential applicants should have credit scores above 500 ficos, and potential borrowers will not necessarily be required to document their income if they can offer some equity in their home.
Top Sub Prime Mortgage Lenders
Nationwide Mortgage Refinance
Indy Mac Wholesale |
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 Sub Prime lending has been criticized recently, but Home Loan Wholesale remains determined to offer homeowners with bad credit more loan options with lower rates! |
Popular Sub-Prime Home Loans
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The sub-prime research examines the mortgage credit market from several perspectives, and discusses some of the long-term systemic problems that "easy credit" may bring to lenders, investors, and even the borrowers who may have mortgaged their futures to buy their home. Highlights include:
Understanding credit reports and how the risk has evolved:
As many applicants have recently learned, underwriting guidelines have changed significantly, and the effect of the higher loan-to-value products with lower credit scores has made a major impact.
Home interest rates are becoming easier to qualify for with sub-prime product. Check out our new home mortgage product created with the expectation of simple home refinancing.
Predatory home lending often includes charge a fee for informing the borrower or proposed lender of the balance due to pay off when refinancing the existing mortgage loan. Most loan documents never authorize such a charge. These practices provide back end interest for the mortgage lender if the borrower does prepay the loan.
Home loan product restrictions may apply. Home loans are subject to credit approval and other conditions. Mortgage Rates, product terms and conditions are subject to change.
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