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HOW TO DETERMINE YOUR BAD CREDIT PROFILE

CLICK HERE FOR COMMERCIAL HARD MONEY LOANS

Brokers - Earn extra income with Commercial loans - Click here for more information

FHA LOANS FOR BORROWERS WITH BAD CREDIT - Full Doc only, LTVs to 100% possible (with gift or downpayment assistance). Click Here for more details.

NEW!! RESIDENTIAL HARD MONEY LOANS - Stated/Stated (they will require 18 month bank statements to verify that there is some form of income), 65% LTV to 70% LTV (depends on state), Loan Amounts to $5,000,000.00. Call for particulars.

B-C interest rates and programs are determined by mortgage lates, lates on consumer credit, charge offs, collections and judgments, bankruptcy and foreclosure. Most programs require a credit score....some rely on mortgage lates only.

PLEASE NOTE THAT THERE ARE A FEW BAD CREDIT LENDERS STILL IN BUSINESS -- HOWEVER GUIDELINES HAVE CHANGED. PLEASE CALL FOR UP TO DATE PROGRAMS.

***Please note that these change slightly per lender

Rating	Debt to Income Ratio	Mortgage Lates	Consumer Lates	Collections, Chargeoffs & Judgements	Bankruptcy & Foreclosure
A+	45%-55%	No more than 1x30 in the last 12 months	limited 30 day lates	Last 24 mos - All must be satisfied	none w/in last 3 yrs
A-	50%	No more than 2x30 in the last 12 months	30 days lates, limited 60 day lates	Last 24 mos-can remain open- Max of $1000	none w/in last 2/3yrs depending on LTV
B	50%	No more than 3x30 in the last 12 months	Last 12 mo -limited 60 day lates	Last 24 mo - max of $2500-Can remain open	18 months out of bankruptcy or foreclosure
B-	50%	No more than 4x30 or 1x60 in the last 12 months	limited 90s and 120s in last 12 months	Last 24 mo - Max of $2500-can remain open	18 months out of bankruptcy or foreclosure
C	50%	5x30; 2x60 or 1x90 in last 12 months	Last 12 months 120s	Last 24 mo- Max of $5000 - can remain open	12 months out of bankruptcy or foreclosure
D	50%	4 mos deliquent at closing	Significant current and past problems	Last 24 mo-Max of $5000- can remain open	Prior to closing Ch7 min - 12 Mos

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