However, we do have a program in which your consumer debt does not matter. This is called our Mortgage Only program. If you have had a bankruptcy in the past, most lenders woulg not even consider you for a mortgage loan. Even if your bankruptcy has only been discharged for one day, we can still qualify you for a home mortgage. We will work with you every step of the way to re-establish your credit rating.
Foreclosures are no problem as well.
We are your creative source for mortgage financing. In some cases collections and judgements do not have to be paid off. If they are old accounts we do not take them into consideration. If you have enough equity in your home, you may want to pay them off. This will raise your credit score.