Credit Problem

You Can Get A Mortgage Even If You Have A Poor Credit History!

Have you experienced the following?

  • You may have had some credit problems in the past.
  • You may have declared bankruptcies.
  • Your bank has turned down your loan request due to poor credit.
  • You are unable to obtain your mortgage from banks.

If the answer is yes, you may be among those who have had credit problems. When you are buying your home or trying to refinance your mortgage to pay off some other debts, you are told that your bank cannot help you. Your poor credit history is preventing you from getting a mortgage from those main street banks. However, this does not mean that you cannot get your mortgage elsewhere.


There are solutions for you. These types of mortgages are called “sub-prime” mortgages. With no so good credit history, your mortgage may be subject to a higher interest rate. That’s the only difference! The rate may vary depending on your credit score. Usually, lower credit scores would translate into a higher interest rate.


Don't let your past credit problems hinder your mortgage financing options and affect your future plans. Consider the following:


If you are purchasing a home, you do the same application as others and follow the application steps:


                        >> Apply for A Mortgage (Home Purchase)


If you are refinancing your home, you can refinance it or add a second mortgage:


                        >> Apply for A Mortgage (Refinance)


                        >> Apply for A Second Mortgage


If you want to learn more on credit reports and improve your credit score:


                        >> Go to Credit Reports Centre


At Valueland, we understand your needs and try to find a solution for you. With the solutions of debt consolidation, your credit may rebound significantly. With timely payments, your credit scores may increase gradually. You could be on your way to financial freedom.