If you’ve heard  “NO”  before, we can HELP !!

In today’s fast-paced world is it very difficult to maintain perfect credit, so few do!

Regardless of your credit history, we’re here with a solution that works for you. We know that with loans, credit cards, utility bills, transportation and childcare, it’s easy to get behind in payments. That’s why our loan advisors will work hard to find the best solution for your unique needs.

This is also known as Sub-Prime or B/C loans. These programs offer borrowers more flexibility options for those  who are in need of special financing. Most larger banks only offer a few programs, and if you don’t fit exactly into their guidelines, you won’t qualify.

The Loan Center will analyze your credit history and match your needs for the best set of  programs you qualify for.  As well as explain the different loan programs, we will outline a program to restore your credit rating to Grade A

We will also explain the credit scoring system and how your credit score is derived.  As well as  show you how to monitor and adjust your own credit for future planning and purchases.

Whether for a purchase or refinance, sub-prime loans should typically be used as a short term solution, approximately 2-5 years. During that time we can clean up your credit and qualify for a refinance into a lower-risk, lower-rate loan.

Your debt to income ratio, employment history, type of property and assets are other factors that are taken into consideration when determining whether you qualify for a prime or sub-prime loan.

Qualifying is easy! Even if you have previous problems with your credit, we have many programs that can help you get back on track to rebuilding your credit.