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Bad Credit Home Loans in Chico, California

Bad Credit Home Loans in Chico California. We help people in California find the home financing they need fast. It is our goal to help you achieve your financial goals. If you are looking for a California new home loan, a second mortgage, bad credit loans, debt consolidation, or a variety of other loan services, we can help. Bad credit doesn't need to prevent you from being able to refinance your mortgage. We specialize in refinance loans and home mortgage loans. Fill out the quick application form below and someone will be in touch with you shortly.



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Mortgage Refinancing in Chico, California.

Get financed in Chico. We help people in California and across the country get the financing they need. Begin the application now, or select a different city.
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Mortgage Terms
Adjustable Rate Mortgage (ARM)
A mortgage whose interest rate changes over time based on an index and a margin. Rate changes are made at prescribed times and within prescribed limits (caps) as defined in the mortgage contract.
Fair Market Value
The price at which property is transferred between a willing buyer and a willing seller, each of whom has a reasonable knowledge of all pertinent facts and neither being under any compulsion to buy or sell.
Interest-only payments
Mortgage payments that include only interest. No loan amortization occurs and, thus, the homeowner does not accrue any equity (unless the home value increases).
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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