Bad Credit Mortgage Loans Making the Dream of Homeownership Come True

Bad credit mortgage loans make the American dream of home ownership a possibility even for people with less than perfect credit scores. Subprime loans (also called second chance lending) are usually granted to people with credit scores of less than 680.

Subprime loans are generally required by people who have missed more than two payments in the last 12 months; have a judgment, foreclosure, or eviction against them; declared bankruptcy in the last 5 years; or have a generally defined high risk of default.

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