Home Loans By AFSHarmony.com, Refinance and Home Equity Specialists


	Your source for home loans, home equity, and other real estate financing !

Having bad credit can seriously affect you financially and make it difficult to get a home loan. But a good mortgage banker can help you figure out how to improve your situation and get you back on the road to better credit.

Consolidate Your Debt and Regain Control of Your Life

Consolidate your bills into one low monthly payment with a bad credit home loan.
Get a lower interest rate than your credit cards; make it easier to pay off your debts.

Best Consolidation Loan for Borrowers with Bad Credit

We have many loan programs designed specifically for people who have less–than–perfect credit (or bad credit) due to late payments, delinquencies, past bankruptcies or past foreclosures.

Tips For Building A Better Credit Score

Pay your bills on time. Delinquent payments and collections negatively impact your score.
Keep balances low on credit cards and other "revolving credit." High outstanding debt lowers your credit score.
Apply for and open new credit accounts only as needed. Don't open an account just to have a better credit mix; it probably won't raise your score.
Pay off debt instead of moving it around. Owing the same amount, but having fewer open accounts may lower your score.

Improve Your Credit Score, Get a Better Home Loan

Once your credit improves, you can refinance out of your bad credit home loan any time with absolutely no pre–payment penalties. With a better credit score, you'll qualify for a home loan with better options, lower interest rates and lower payments.

We make it easy

Save time. No long forms to fill out.
Expert Advice. We find the right loan for you.
Fast. Get approved in minutes and close your loan in weeks.
Convenient. Closings that come to you.

AFSHarmony.com affiliates and/or lending participants in our network are equal housing lenders. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.