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Challenged Credit Loan Program

Bankruptcy or Foreclosure?  Ready to move on?

Let's face it: At some time, most folks have had difficulty paying their bills.  If you're one of those people, MortgageEase can help--even if you’ve been denied a loan or new mortgage by other lenders or companies. If you've ever had a foreclosure or filed for bankruptcy Chapter 7 or 13 protection—and these debts are history, we’d love to help you create a new financial beginning. While we can’t create miracles, many borrowers in your position have closed a new loan and started fresh through MortgageEase.

We’ll work together to understand and change your financial situation. We review the circumstances that resulted in your financial crisis, evaluate your credit, debts and income, and assess your home's value. We'll work with you to finance a new home, refinance your current home or just work to create cash—the asset you may need now to lighten your financial load. And your application is free.                       

Charge Offs and Collections—MortgageEase Understands

Collections and charge offs are lending flags--many mortgage companies have a knee-jerk reaction to these flaws on a credit report. At MortgageEase, we understand that minor collections and overdue bills are, for many borrowers, the result of a temporary family or financial crisis. So we offer special lending programs that either ignore credit dings, or give them less weight on your loan application. In fact, one of our programs concentrates more on your recent credit and skips over most flaws in your credit history.

Identifying the right loan program for you doesn't just make a difference in whether or not your loan is approved…it’s what makes us different from other mortgage companies. Our mortgage consultants are as ready as you are to create a new financial beginning. We’re accustomed to working with borrowers with complex financial difficulties, so you’ll be comfortable working with us. And you can feel confident knowing we’ll do our best for you. 

We’ll work together to understand any collections and charge offs on your credit record. We review the circumstances, evaluate your credit, debts and income, and assess your home's value. We'll work with you to finance a new home, refinance your current home or just work to create cash to reduce your financial or family’s burdens. We can process your free application today.

No Credit? No Problem!

If you’re a first-time borrower with no credit history, it’s no problem at MortgageEase. We understand your frustration since most lenders shy away from a borrower who hasn’t built significant credit. We weigh many factors beyond minimal credit—or a total lack of it—and offer several special programs designed just for first-time buyers without credit.

Complete your free application or give us a call today at 301-528-0332 — you could be closer to building or improving your credit than you think.

Quick Application: Give Answers, Get Pre-Qualified

Ready to get started? Simply complete the form below and one of MortgageEase's expert loan counselors will contact you within 1 hour to complete your paperwork and start the Pre-Qualification process.

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