VITH POOR CREDIT

LENDERS FOR PEOPLE \VITH POOR CREDIT

MANY LENDERS OFFER LOANS FOR PEOPLE or businesses with poor credit. "Bad credit

lenders" can be banks, credit unions, subprime lenders, private finance companies, hard money

lenders, debt consolidators, payday loan lenders, car financing companies and more. However, only

a portion of each type of lender offers bad credit loans, and each has its advantages and

disadvantages.

WHAT IS BAD CREDIT? Although the numbers vary slightly from one source to the next, credit

scores of less than 620 are generally considered poor. Scores of less than 550 are considered very

poor.

PEOPLE WITH POOR CREDIT CAN OFTENTIMES

GET RELIEF from high debt, high

mortgage payments and high interest payments by getting a bad credit loan. In some cases they can

even get a credit card balance reduced.

PEOPLE CONSIDERING A BAD CREDIT LOAN need to choose a smart, safe route before

taking on such a loan. Here are a few steps that can help borrowers avoid problems:

1.

2.

3.

4.

Become educated about the bad credit loan options available from a number of lenders

Investigate each lender and its loan programs. Shop around for the best deals

Obtain any materials the lenders can provide on their bad credit loan programs

Read the materials carefully, watching out for any potential trouble spots-such as up front

fees, extremely high interest rates or a lender who seems to be in a rush to make the loan

5. Try talking to some of the lender's customers-you

might have friends or family who've

used the lender in the past

6. Steer clear of payday loan companies. It's unlikely a good deal could be found there.

7. Check the lender's profile and rating with the Better Business Bureau (Web site:

)

8. Above all, DON'T PAY FRONT MONEY for any loan.

DEPENDING ON THE LENDER, THE PURPOSE OF THE LOAN (for example, mortgage,

refinance or debt consolidation) and the size of the loan being sought, a lender might charge a

legitimate application processing fee. But not everyone agrees on what is a legitimate fee.

A PROCESSING FEE OF $500 OR SO is deemed excessive by many lending experts. Legitimate

processing fees may be needed to cover necessary expenses incurred by the lender, including such

things as preparation of property appraisals, documentation and agreements. If you're using a loan

broker and the processing fee seems excessive, tell your broker you won't agree to the loan when the

processing fee is so high.

Heights Finance Corporation

P.O. Box 9520

Peoria, IL 61612-9520

1-(800)-510-4620

1-(309)-693-6688

American Nationwide Mortgage

361-334-5366

6102 Ayers St

Corpus Christi, TX

CustomerService@

10

Nationwide Loans

3435 North Cicero Avenue

Chicago, Illinois 60641

(773) 777-7600

LENDERS FOR PEOPLE WITH BAD CREDIT

Quicken Loans

1050 Woodward A venue

Detroit, MI 48226

(313) 373-3000

Michigan & Griswold

Honor Finance Illinois

1563 Shennan Avenue

Evanston, IL 60201

(847) 733-0300



Compass Bancshares

15 S. 20TH ST.

Birmingham, AL 35233

Tel: 205-297-3000

Web site:



Synovus Bank of Tampa Bay

5801 49th St N, PO Box 30707

St. Petersburg, FL 33630

7278248726

Golden West Financial Corp.

Savings & Loan

1901 Harrison St.

Oakland, CA 94612

510-446-3420

M&T Bank

301 W. Chesapeake Ave., 4th Fl.

Towson, MD 21204

410-512-4771

Citigroup

153 East 53rd Street

16/F, Zone 19

New York, NY 10022

(212) 559-9124

Amsouth Bank

51 West Bay Street

Jacksonville, FL 32202

Contact: Graham Martin

Phone: (800)284-4100, x0392

Bank of America

100 N. Tryon Street

Charlotte, NC 28255

(704) 386-5681

Wells Fargo

Affiliated Financial Corp.

(888) 605-0400, Ext. 2162.

13680 NW 5th St,

Sunrise FL, 33325

Web site:

Wells Fargo

410 Montgomery Street

San Francisco, CA 94103

(866) 249-3302

Wachovia Mortgage Corp

3200 Camelback Rd, Ste 128

Phoenix, AZ 85018

Tel: (602) 956-2122

(866) 560-5064

Fax: (956) 567-6030

Coastal La Jolla Funding

7709 Eads Ave

La Jolla, CA 92037

phone: 858-456-2423

Fax: 858-225-3683

Emigrant Direct

13 Croton Ave

Ossining, NY 10562

E-mail:

emigrantdirect@

Phone: 1-800-836-1997

Profolio Horne Mortgage

2500 City West Blvd., Ste 525

Houston, TX 77042

Toll Free: (800) 889-2564

Phone: (713) 977-2700 Fax:

(713) 977-2732

info@

Somerset Investors Corp.

106 Medinah Dr.

Reading, PA 19607

Toll Free:

(800) 675-9783

Fax: (631) 370-2990

Email:

cs@

Dallas Home Loan Inc.

7005 Chase Oaks Blvd.,

Plano, Texas 75025

Phone: 866-544-3453

E-mail: leads@

Lendance, Inc.

431 E. Central Blvd, Suite 90 I,

Orlando, FL 32801

1-800-536-3262

TO Bank

75 Rockefeller Plaza at 51 st Street

New York City, NY 10019

Tel: 212-314-9800



Houston Mortgage

113 Cedar Ridge Dr.,

Rockport, TX 78382

Phone: 1-800-441-0571

Email: info@

Virtual Bank

P.O. Box 109638

Palm Beach Gardens, FL 33410

E-mail: sales@

Phone: 1-877-998-BANK

Home Finance of America

521 Plymouth Road, Suite 112

Plymouth Meeting, PA 19462

1-800-358-LOAN (5626)

FAX: 610-834-7481



Texas Capital Mortgage

28 FM 1960 West

Houston, TX 77090

Office Phone: 1-866-433-0500 toll

free

Fax: 281-537-8502

II

Nationwide Mortgages - West Coast

701 Palomar Airport Road

Ste. 300 Pacific Center

Carlsbad, California 92009

1-800-584-0694

LENDERS FOR PEOPLE WITH BAD CREDIT

Compass Bancshares

15 S. 20TH ST.

Birmingham, AL 35233

Tel: 205-297-3000

Web site:



Synovus Bank of Tampa Bay

580 I 49th St N, PO Box 30707

St. Petersburg, FL 33630

7278248726

Golden West Financial Corp.

Savings & Loan

1901 Harrison St.

Oakland, CA 94612

510-446-3420

Fax: 858-225-3683

Emigrant Direct

13 Croton Ave

Ossining, NY 10562

E-mail:

emigrantdirect@

Phone: 1-800-836-1997

Profolio Home Mortgage

2500 City West Blvd., Ste 525

Houston, TX 77042

Toll Free: (800) 889-2564

Phone: (713) 977-2700 Fax:

(713) 977-2732

info@

M&TBank

301 W. Chesapeake Ave., 4th Fl.

Towson, MD 21204

410-512-4771

TD Bank

75 Rockefeller Plaza at 51 st Street

New York City, NY 10019

Tel: 212-314-9800



Citigroup

153 East 53rd Street

161F, Zone 19

New York, NY 10022

(212) 559-9124

Virtual Bank

P.O. Box 109638

Palm Beach Gardens, FL 33410

E-mail: sales@

Phone: 1-877-998-BANK

Amsouth Bank

51 West Bay Street

Jacksonville, FL 32202

Contact: Graham Martin

Phone: (800)284-4100,x0392

Texas Capital Mortgage

28 FM 1960 West

Houston, TX 77090

Office Phone: 1-866-433-0500 toll

free

Fax: 281-537-8502

Bank of America

100 N. Tryon Street

Charlotte, NC 28255

(704) 386-5681

Wells Fargo

Wells Fargo Corporate Headquarters

410 Montgomery Street

San Francisco, CA 94103

(866) 249-3302

Coastal La Jolla Funding

7709 Eads Ave

La Jolla, CA 92037

phone: 858-456-2423

Affiliated Financial Corp.

(888) 605-0400, Ext. 2162.

13680 NW 5th St,

Sunrise FL, 33325

Web site:

Wachovia Mortgage Corp

3200 Camelback Rd, Ste 128

Phoenix, AZ 85018

Tel: (602) 956-2122

(866) 560-5064

Fax: (956) 567-6030

13

Somerset Investors Corp.

106 Medinah Dr.

Reading, PA 19607

Toll Free:

(800) 675-9783

Fax: (631) 370-2990

Email:

cs@

Dallas Home Loan Inc.

7005 Chase Oaks Blvd.,

Plano, Texas 75025

Phone: 866-544-3453

E-mail: leads@

Lendance, Inc.

431 E. Central Blvd,

Suite 901,

Orlando, FL 32801

1-800-536-3262

Houston Mortgage

113 Cedar Ridge Dr.,

Rockport, TX 78382

Phone: 1-800-441-0571

Email: info@

Home Finance of America

521 Plymouth Road, Suite 112

Plymouth Meeting, PA 19462

1-800-358-LOAN (5626)

FAX: 610-834-7481



Nationwide Mortgages - West Coast

701 Palomar Airport Road

Ste. 300 Pacific Center

Carlsbad, California 92009

1-800- 584-0694

Nationwide Mortgages - East Coast

1775 The Exchange Suite 210

Atlanta, Georgia 30339

1-800-584-0694

Fast Cash

Serving the San Francisco Area

(800) 510-2274

LENDERS FOR PEOPLE WITH BAD CREDIT

Acceptance Home Mortgage

817-878-4220

1203 Lake St

Fort Worth, TX

CitiFinancial

605 Munn Road

Fort Mill, SC 29715

1-800-995-2274

Eaton Partners Inc

(603) 626-1964

814 Elm St Ste 500

Manchester, NH

DB Home Lending

db-

26521 Rancho Parkway South

Ste.210

Lake Forest, CA 92630

800-416-0614

Saxon Mortgage

Sub-Prime, AIt-A



4840 Cox Rd

Glen Allen, VA 23060-6292

888-saxon-au

Encore Credit Corp.

Sub-Prime, Alt-A



1833 Alton Pkwy.

Irvine, CA 92606

877-362-6735

Wilmington National Finance



4301 Anchor Plaza Parkway, ste 230

Tampa, FI. 33634

877-963-7520

First Franklin

3 1248 Oakcrest Drive

Westlake Village, CA 91361

800-404-4644

Equifirst

Alt-A, Sub-Prime



500 Forest Point Cir.

Charlotte, NC 28273

800-232-3477

Argent Mortgage

Alt-A, Sub-Prime, High LTV



One City Blvd. West, Suite 1500

Orange, CA 92868

866-Argent-Age

Horne Loan Magician

203 Washington St,

Salem Massachusetts 01970

800-997-9572

Bay Capital Corp.

Sub-Prime



10811 Red Run Blvd., Suite 200

Owings Mills, MD 21117

800-727-2660

Cit Group Home Lending

Sub-Prime, AIt-A



1 CrT Dr.

Livingston, NJ 07039

800-569-3549

Decision One Mortgage

AIt-A, Sub-Prime

d

3040 Saturn Street Suite 202

Brea, CA 92821

866-725-9794

Profile Mortgage Llc

(603) 883-6515

151 Amherst St

Nashua, NH

Webster Bank



609 W. Johnson Ave

Cheshire, CT 06410

203-271-7195

Long Beach Mortgage Co.



1400 Douglas Rd, Suite 100

Anaheim, CA 92806 800-743-3336

Novastar Mortgage Inc.



888-829-6701

Option One Mortgage

Sub-Prime, Alt-A



3 Ada

Irvine, CA 92618

800-704-0800

Resmae Mortgage Corp.

Sub-Prime, Alt-A



6 Pointe Dr

Brea, CA 92821 714-987-5000

15

Atlantic Financial Services

-1300 S Croatan Hwy,

POBox 2581

Kill Devil Hills, NC 27948

Phone: (252) 441-4422

Wells Fargo Home Mortgage

(603) 524-4725

1 Mill Plz Ste 1

Laconia, NH

Auto Trakk LLC

;1500 Sycamore Rd. Suite 200

V Montoursville, PA 17754

(888) 689-7117

dealerinfo.htm

CARFINCO

'11/4245-97 Street, #300

Edmonton, AB T6E 5Y7

(888) 486-4356

LENDERS FOR PEOPLE WITH BAD CREDIT

Nationwide Mortgages - East Coast

1775 The Exchange Suite 210

Atlanta, Georgia 30339

1-800-584-0694

County Bank

550 W. Main Street

Merced, CA 95340

(877) 722-7733

Capital Mortgage Services

(806) 796-7231

421250thSt

Lubbock, TX

BB&T

200 W. Second ST.

Winston-Salem, NC 27101

Tel: 336-733-2000



C Romay Real Estate & Mortgage

Inc

361-654-1055

2830 Cimarron Blvd

Corpus Christi, TX

Nationwide Northwest

1920 E. Sahara A venue

Las Vegas, NV 89104

(888) 209-4447

Royal Loan Co

1024 Mission Street

San Francisco, CA 94103

(800) 845-0008

Financial Firebird Corporation

150 North Street, Suite 40

Pittsfield, Massachusetts 0 I20 1

888-669-8650

Cook Ralph L Appraisals &

Mortgage Loans

361-241-1442

4250 Five Points RD

Corpus Christi, TX

Countrywide Full Spectrum Lending

Serving the San Francisco Area

(888) 696-3808

Marshall & Iisley Corp

4501 W 135th St

Overland Park, KS 66224

(913) 402-3440

Nationwide Southeast

3675 Crestwood Parkway

Duluth, GA 30096

(888) 581-0009 or (770) 935-LOAN

Zions Bancorp

One S. Main

Salt Lake City, UT 84111

Tel: 801-524-4787

Fast Cash

Serving the San Francisco Area

(800) 510-2274

Whitetail Financial Inc.

17141 Ventura Blvd. Suite 206

Encino, CA 91316

(877) 850-6307

Home Equity

1207 Antoine Drive St 200

Houston TX 77055

1-877- TX-Iending

Texas Lending

4309 Alpha Road

Dallas, TX 75244

Phone: 972-387-4600



Alpha Stream Capital Management

220 Montgomery St

San Francisco, CA 94104

(415) 837-1462

Jordan Capitol Holdings

Mortgages - Financial Planning &

Consultants

888-780-3135

Patriot Bank Mortgage Inc

(956) 753-7000

20 I W Del Mar Blvd

Laredo, TX

Heights Finance Corporation

P.O. Box 9520

Peoria, IL 61612-9520

1-(800)-510-4620

1-(309)-693-6688

CustomerService@

American Nationwide Mortgage

361-334-5366

6102 Ayers St

Corpus Christi, TX

Nationwide Loans

3435 North Cicero Avenue

Chicago, Illinois 60641

(773) 777 -7600

Dimension Mortgage

(956) 729-8200

616 W Calton RD

Laredo, TX

12

All Talk Mortgage

(972) 495-8271

2418 Green Meadow Dr

Garland, TX

Allied Home Mortgage Capital

817-496-5460

6737 Bridge St

Fort Worth, TX

Mid-Atlantic Finance

15500 Lightwave Drive, Suite 201

Clearwater, FL 33760

(800) 793-9661



Universal Financial Company

Pasadena, Calif.

Tel: (626) 432-7799

Encore Credit Corp.



1833 Alton Pkwy.

Irvine, CA 92606

877-362-6735

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