Getting approved for a mortgage when you have less-than-perfect credit is easier today than ever before. However, unscrupulous loan brokers who take advantage of those with poor credit are more prevalent than ever as well. There are many companies that will exploit your credit mistakes and charge you high interest and steep penalties for late or missed payments. We're not one of them.
At Downs Financial, Inc., we know that buying a home is an important step in the process of repairing your credit. Most banks will tell you to build up your credit and then they'll approve your loan. But how do you build credit if you keep getting denied for loans? If you've got bad credit, we're here to help with no gimmicks, scams, or hidden costs.
We understand that credit is a tricky thing. Blemishes on your record from years ago can still haunt you today. But we don't believe that that has to be the case any longer. No matter your credit history, we can find a program the suits your current financial situation, and we will consider present mitigating factors, such as a new job, marriage, or children.
We actually take lending one step further. If you've got poor credit history, we will not only review your case and try to come up with a loan for you. We also promise to help you improve your credit through our lending programs.
We look at you as a partner, not a number. We know that people make mistakes, and we're not here to punish you for them. We're here to help and to provide you with an easy and pleasant mortgage lending experience. We will help you get back on your feet credit-wise and help you get out of debt in a safe, real, and sustainable way.