Do You Have Less Than Perfect Credit?

We Can Approve All Credit With Our Resources & Experience

The Facts About Less Than Perfect Credit...

Sometimes We Can Be The Only Lender That Can Get You Approved.

If your Credit Score is below 640, many banks and brokers won’t even try to help you.  But, that’s not the case at Peak Home Loans (PHL).  In fact, we go out of our way to those that are “credit challenged.”  They’re is a 95+ percent chance we can get you approved with a Credit Score down to 580.   And the down payment required is only 3.5%.  Below 580 is more difficult, but with a down payment of 10% there is still a good chance you will be approved.

Since 2004, through the housing bubble, we’ve mastered the approval process for borrowers without perfect credit.  We can do the same for you.  We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Poor Credit Home Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you – whether you’re a first-time home buyer or a seasoned investor.

The Mortgage Process

Here’s how our home loan process works:

  • Complete our simple Less-Than-Perfect Credit Loan Qualifier.
  • Receive options from us based on your unique criteria and scenario.
  • Compare mortgage interest rates and terms from our 100 Plus Lender/Investors.
  • Let our experts help you choose the option that best fits your needs.
Bad Credit?  Imperfect Credit?  Poor Credit?  No Credit?

Turn Your Not-So-Perfect Credit Into An Approval With Us.  We specialize in helping those with imperfect credit.  Do you have a bankruptcy or a foreclosure on your record?  Our mortgage specialists will do whatever it takes to get you the best interest rate, the lowest monthly payment, and the most cash if cash if you need cash now.  If you need to refinance, refinance after a bankruptcy, refinance with a foreclosure, get a mortgage, or to re-mortgage, Peak Home Loans will help.

Everyone gets approved - even with bad credit.

How To Find A Bad Credit Mortgage Or Refinance With Bad Credit

Finding a bad credit home loan or a bad credit refinance may not be as hard as it seems.  You may be able to find bad credit refinancing, says  However, you may need to improve your credit score first by paying down your loan amounts, start paying your bills on time, and disputing obvious errors on your report.  The first thing to do is fix mistakes on your credit report by checking it and making sure it’s accurate.  It is important to note that erroneous items on your report can stay there for ten years.   You must dispute these errors and have them removed immediately.  Write to the credit bureaus and they will attempt to delete them from your report by contacting the individual creditors.  If the creditor does not respond within thirty days, the item is deleted from your report.  In the meantime:

To Do’s – Not To Do’s | Bad Credit Refinance Advice
  • Do not try to close accounts to remove them from your file.
  • Do not open a lot of accounts over a short amount of time.
  • Do not shop for rates for an extended period of time.
  • Do not max-out your current credit cards.
  • Do not apply for new credit cards.
  • Do pay at least the minimum balance on time, every time.
  • Do reduce your balances on outstanding credit cards.

How Do I Get Approved?

Do you think you can’t get approved for a mortgage because of your credit history?  Do you think your dream home is out of reach?  We’re here to tell you emphatically that you are not disqualified from the American Dream of home ownership just because of a couple dings on your credit report.  What about the down payment required?  Borrowers who qualify for a home loan have the flexibility to pay nothing to as little as 3.5% of the purchase price as a down payment.  Our loans allow borrowers to use a gift from a relative or a community grant to go toward their down payment.

Loan Types
  • Fixed Rate Mortgages (FRM)
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Non Conforming Loan (Non QM)
  • Jumbo Loans to $7,000,000
  • FHA, VA, & USDA Loans
  • Terms from 5 to 40 Years
  • Good Credit = Great Rates
  • Less-Than-Perfect Credit Approved


I Want A FREE Rate Quote For Poor Credit!