Mortgage Companies For People With Bad Credit – Getting a Home with Bad Credit

| January 2, 2012

When my wife and I got married, one of the first things that we were excited to do was be able to buy our first house together. So as excited as we were to begin shopping around for our first home, we were also a little bit nervous because we both had less than perfect credit. We weren’t sure whether or not we would be able to get any kind of help with a loan to cover our mortgage, but we really wanted to be able to make a house into our own home and so we decided to go for it. After all, we did not want to be paying rent for the rest of our lives. We wanted a place to call our own and be able to do what we wanted with it. And most of all, we wanted a home in which we could someday raise a family.

So when we started the process of trying to get a house, the first thing that we realized was that it was going to be even harder than we thought to find mortgage companies for people with bad credit. It’s not that our credit was horrible or that me and my wife were terrible with our finances at the time. It was just that we both made some stupid decisions with credit cards back in college, and unfortunately that stays on your credit for awhile and there is not much you can do about it. We began to worry that we would not be able to find any kind of mortgage help whatsoever. The most annoying part about it was that we knew that we could afford a home, but none of the mortgage companies would see that the mistakes we made in the past were just that — in the past — and were not going to happen again.

Well, one day, we came across our dream home. It was everything that we had ever wanted. It had three bedrooms (which would be perfect for our family that we were hoping to start soon), a finished basement, and a beautiful backyard with a deck and a pool. It was truly perfect for us, and we knew that we simply had to have it. But once again, the issue of the mortgage came up. But we were willing to do anything that we needed to in order to be able to get this house, so I did some searching around for mortgage companies that treat people like people and don’t see them simply for their credit score. And after a couple of days of searching all over the place, I was able to find a company that was willing to work with us to make sure that we could get the money we needed to get the house of our dreams. So the lesson here is, no matter what your credit looks like or how much you feel like it would be impossible to find the help you need…if you want a home, you will be able to get one. All it takes is a little work.

Category: Bad Credit Loan

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