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Bad Credit Home Loans in Texas

Texas home loan financing with a credit score of at least 600. We understand how it feels to be shunned or denied because of credit problems. That's why we have Bad Credit experts standing by to help. We have mortgage lenders available to help you accomplish your financial goals for the future. If you're looking to buy a new home in , refinance your current mortgage, or looking for information about other mortgage options, fill out our quick form and a , Texas lender will get in touch with you in no time at all.

Home Loan Refinancing

Refinancing your home can be very beneficial to any homeowner. If you are looking to lower your home interest rate, change your home loan terms, or get cash-out of your home, refinancing may be for you. Apply online to get the best interest rate available on the home loan market place.

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  • 1. Completely Free
  • 2. No Credit Check
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Refinance and lower your monthly payment.



Do you want to increase your score? A credit score over 620 will increase your chances of a home loan. Start your credit repair process today

Get Financing for up to 40 Years!

Mortgage Lenders in Texas Cities

Abilene
Alice
Allen
Alvin
Amarillo
Arlington
Atascocita
Austin
Balch Springs
Bay City
Baytown
Beaumont
Bedford
Benbrook
Big Spring
Brownsville
Brownwood
Bryan
Burleson
Carrollton
Cedar Hill
Cedar Park
Channelview
Cleburne
Cloverleaf
College Station
Colleyville
Conroe
Coppell
Copperas Cove
Corpus Christi
Corsicana
Dallas
Deer Park
Del Rio
Denison
Denton
DeSoto
Duncanville
Eagle Pass
Edinburg
El Paso
Euless
Farmers Branch
Flower Mound
Fort Hood
Fort Worth
Friendswood
Frisco
Galveston
Garland
Georgetown
Grand Prairie
Grapevine
Greenville
Haltom City
Harlingen
Houston
Huntsville
Hurst
Irving
Keller
Kerrville
Killeen
Kingsville
La Porte
Lake Jackson
Lancaster
Laredo
League City
Lewisville
Longview
Lubbock
Lufkin
Mansfield
Marshall
McAllen
McKinney
Mesquite
Midland
Mission
Mission Bend
Missouri City
Nacogdoches
New Braunfels
North Richland Hills
Odessa
Orange
Paris
Pasadena
Pearland
Pharr
Plainview
Plano
Port Arthur
Richardson
Rosenberg
Round Rock
Rowlett
San Angelo
San Antonio
San Benito
San Juan
San Marcos
Schertz
Seguin
Sherman
Socorro
Southlake
Spring
Sugar Land
Temple
Texarkana
Texas City
The Colony
The Woodlands
Tyler
University Park
Victoria
Waco
Watauga
Waxahachie
Weatherford
Weslaco
Wichita Falls

Mortgage Terms
Buy-Down
When the lender and/or the home builder subsidized the mortgage by lowering the interest rate during the first few years of the loan. While the payments are initially low, they will increase when the subsidy expires. These are sometimes used to qualify borrowers for a loan amount that they would not otherwise qualify for but will be able to pay in subsequent years as their income increases.
Deferred Interest
When a mortgage is written with a monthly payment that is less than required to satisfy the note rate, the unpaid interest is deferred by adding it to the loan balance.
Mortgage
A conditional conveyance of property as security for the payment of a debt or the fulfillment of some obligation. Upon payment of the debt or performance of the obligation the mortgage becomes void.
V.A. Mortgage Funding Fee
A premium assed to the VA borrower in lieu of mortgage insurance. First time VA borrowers have a 3% funding fee included in their loan. When the VA borrower sells their home and uses their VA rights on a new home, the funding fee is 2%. VA borrowers refinancing their home, have a half percent funding fee in their mortgage. Disabled Veterans are not burdened with the funding fee.

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