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Mortgage Loans For People With Bad Credit

The latest trend on the mortgage market is to prey on those consumers with poor or spotty credit. Companies are springing up over night that promise to help those in need who've been turned down by banks in the past. Most of the time, these offers turn out to be scams; people with bad credit must be sure to research any loan offers thoroughly to avoid doing further harm to their credit.

There are a variety of scams to look out for. Many companies make false promises of low rates. These loans generally involve a low introductory rate, which soon skyrockets. Or, if you are late with a payment or miss one altogether, your interest rate will jump exponentially.

Also, unscrupulous loan officers may conveniently forget to mention the exorbitant fees that will be added to the life of the loan for missed payments or late payments. Sometimes these fees can total in the thousands. This often causes homeowners to become "upside down" on their loan, owing more than they'll possibly ever be able to pay.

At Downs Financial, Inc., we're not in the business of "tricking" our customers. We want you to be able to purchase or refinance your home with ease and at a great rate. We loan our own money, so we can take chances on those with poor credit or blemishes on their credit record that we feel have turned a financial corner. Homeownership is a right in this country, not a privilege, and we want to enable all people to own a little piece of the American pie for themselves without tricks or scams. Straightforward, fair loans at superb rates is what Downs Financial, Inc. is all about.


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