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Obtaining a home loan is achievable even with very poor credit. If you have had credit problems in the past, a lender may consider you to be a precarious borrower to lend to. To compensate for this extra risk, the lender may charge you a higher interest rate and usually expect you to pay a higher down payment on your home purchase (typically 20-50% down). The worse your credit is, the more you should expect to pay for an interest rate and a down payment. Not all lenders choose to lend to risky borrowers, so you may have to contact several before finding one that will. A simpler process would be to have several lenders contact you- Click Here to have up to three lenders contact you, all competing for your business.

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