VITH POOR CREDIT
[Pages:7]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. Become educated about the bad credit loan options available from a number of lenders 2. Investigate each lender and its loan programs. Shop around for the best deals 3. Obtain any materials the lenders can provide on their bad credit loan programs 4. 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
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
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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
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@
Wachovia Mortgage Corp 3200 Camelback Rd, Ste 128 Phoenix, AZ 85018 Tel: (602) 956-2122 (866) 560-5064 Fax: (956) 567-6030
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
Texas Capital Mortgage 28 FM 1960 West Houston, TX 77090 Office Phone: 1-866-433-0500 toll free Fax: 281-537-8502
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
II
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
M&TBank 301 W. Chesapeake Ave., 4th Fl. Towson, MD 21204 410-512-4771
Citigroup 153 East 53rd Street 161F, 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
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
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@
TD Bank 75 Rockefeller Plaza at 51 st Street New York City, NY 10019 Tel: 212-314-9800
Virtual Bank P.O. Box 109638 Palm Beach Gardens, FL 33410 E-mail: sales@ Phone: 1-877-998-BANK
Texas Capital Mortgage 28 FM 1960 West Houston, TX 77090 Office Phone: 1-866-433-0500 toll free Fax: 281-537-8502
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
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
13
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
First Franklin 3 1248 Oakcrest Drive Westlake Village, CA 91361 800-404-4644
Argent Mortgage Alt-A, Sub-Prime, High LTV One City Blvd. West, Suite 1500 Orange, CA 92868 866-Argent-Age
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
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
Equifirst Alt-A, Sub-Prime 500 Forest Point Cir. Charlotte, NC 28273 800-232-3477
Horne Loan Magician 203 Washington St, Salem Massachusetts 01970 800-997-9572
Long Beach Mortgage Co. 1400 Douglas Rd, Suite 100 Anaheim, CA 92806 800-743-3336
Novastar Mortgage Inc. 888-829-6701
Wilmington National Finance 4301 Anchor Plaza Parkway, ste 230 Tampa, FI. 33634 877-963-7520
Profile Mortgage Llc (603) 883-6515 151 Amherst St Nashua, NH
Webster Bank 609 W. Johnson Ave Cheshire, CT 06410 203-271-7195
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
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
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
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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
Royal Loan Co 1024 Mission Street San Francisco, CA 94103 (800) 845-0008
C Romay Real Estate & Mortgage Inc 361-654-1055 2830 Cimarron Blvd Corpus Christi, TX
Financial Firebird Corporation 150 North Street, Suite 40 Pittsfield, Massachusetts 0 I20 1 888-669-8650
Nationwide Northwest 1920 E. Sahara A venue Las Vegas, NV 89104 (888) 209-4447
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
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
Marshall & Iisley Corp 4501 W 135th St Overland Park, KS 66224 (913) 402-3440
Zions Bancorp One S. Main Salt Lake City, UT 84111 Tel: 801-524-4787
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
Nationwide Southeast 3675 Crestwood Parkway Duluth, GA 30096 (888) 581-0009 or (770) 935-LOAN
Fast Cash Serving the San Francisco Area (800) 510-2274
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
12
LENDERS FOR PEOPLE WITH BAD CREDIT
BB&T 200 W. Second ST. Winston-Salem, NC 27101 Tel: 336-733-2000
Royal Loan Co 1024 Mission Street San Francisco, CA 94103 (800) 845-0008
County Bank 550 W. Main Street Merced, CA 95340 (877) 722-7733
C Romay Real Estate & Mortgage Inc 361-654-1055 2830 Cimarron Blvd Corpus Christi, TX
Countrywide Full Spectrum Lending Bad Credit Financial Services
Serving the San Francisco Area
1;489Webster St Ste 268
(888) 696-3808
YSan Francisco, CA 94115
(415) 928-1400
Whitetail Financial Inc.
17141 Ventura Blvd. Suite 206
Benchmark Mortgage
Encino, CA 91316
972-633-5550
(877) 850-6307
2380 E Park Blvd
Plano, TX
Home Equity
1207 Antoine Drive St 200
Financial Firebird Corporation
Houston TX 77055
150 North Street, Suite 40
1-877 -tx -lending
Pittsfield, Massachusetts 01201
888-669-8650
Texas Lending
4309 Alpha Road
Allied Home Mortgage Capital
Dallas, TX 75244
Corporation
Phone: 972-387-4600
817-496-5460
6737 Bridge St
Fort Worth, TX
All Talk Mortgage
(972) 495-8271
Marshall & Iisley Corp
2418 Green Meadow Dr'
4501 W 135th St
Garland, TX
Overland Park, KS 66224
(913) 402-3440
Alpha Stream Capital Management
220 Montgomery St
Zions Bancorp
San Francisco, CA 94104
One S. Main
(415) 837-1462
Salt Lake City, UT 84111
Tel: 801-524-4787
Jordan Capitol Holdings
Mortgages - Financial Planning & Finance Tracker Limited
Consultants
Po Box 318
888-780-3135
Torquay Devon
TQl IZR
Patriot Bank Mortgage Inc
UK
(956) 753-7000
Within the UK: 0844 856 74 95
201 W Del Mar Blvd
International: +44 (0)844 856 74 95
Laredo, TX
Fax Number: 0845 257 69 80
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
Nationwide Loans 3435 North Cicero Avenue Chicago, Illinois 60641 (773) 777-7600
Capital Mortgage Services (806) 796-7231 4212 50th St Lubbock, TX
Nationwide Northwest 1920 E. Sahara Avenue Las Vegas, NY 89104 (888) 209-4447
Cook Ralph L Appraisals & Mortgage Loans 361-241-1442 4250 Five Points RD Corpus Christi, TX
Nationwide Southeast 3675 Crestwood Parkway Duluth, GA 30096 (888) 581-0009 or (770) 935-LOAN
14
LENDERS FOR PEOPLE WITH BAD CREDIT
C&F Finance Co. 4660 S. Laburnum Avenue Richmond, VA 23231 (804) 236-9601
Coastal Credit 3852 Virginia Beach Blvd. Virginia Beach, VA 23452 (800) 969-2729
Columbus Finance Inc. 3050 East Main Street Columbus, Ohio 432099 (614) 236-8541
Community Choice Financial 5200 Maryland Way, Suite 310 Brentwood, TN 37027 (615) 370-5401 https:llfirst-5
CUdirect Connect 6377 S. Revere Pkwy. #200, Suite 200 Centennial, CO 80 III (720) 260-3188
Diamond Finance Co., Inc 50 Jericho Tpke, Suite 200 Jericho, NY 11753 (888)536-6500
Equity Auto Finance 2718 W. Oakland Park Bulevard Fort Lauderdale, FL 33311 (800) 683-1095
Fifth Third Alternative Finance 925 Freeman Avenue, MLD 009014 Cincinnati, OH 45202 (877) 782-8102
Friendly Finance Corp. 6340 Security Blvd., Suite 200 Baltimore, MD 21207 (800) 872-2877#
FSB Financial 110 West Randol Mill Road, Suite 100 Arlington, TX 760 II (888) 372-3868
Donate-Money-z-Me Reliable Resources, Inc 711S. Carson St. Suite 4 Carson City, NY 89701
FSB Financial
Bad Credit Alliance (BCA)
110 West Randol Mill Road, Suite ..2550 Meridian Boulevard
100
~'Suite 200
Arlington, TX 76011
Franklin, TN 3706
(888) 372-3868
Globe Acceptance, Inc PO Box 65400 West Des Moines, lA 50265 515-225-9067 globeaccepts@
Credit Loan, LLC ,'235 Apollo beach blvd, ste 218 t/ Apollo Beach, Florida 33572
bttp:// Email: support@
Honor Finance Nevada 8290 W. Sahara, Suite #150 Las Vegas, NV 89117 (888) 924-6667
Kaptor Financial 939 Lawrence Avenue East, PO Box 47590 Don Mills, ON M3C 3S7 (866) 850- 7911 maclease.ca
New Bank Icon Resources, Inc. 6101 Southwest Freeway Ste 112 Houston, Texas 77057 713-349-8282 866-543-5153
Bad Credit Lender . 7709 Eads Avenue, Suite 9 v' San Diego, California, 92037
Phone 858-454-4034
Mid-Atlantic Finance 15500 Lightwave Drive, Suite 20 I Clearwater, FL 33760 (800) 793-9661
Union Finance 1703B North Main Street Suffolk, YA 23434 (757) 934-1537
First Federal Bank 214 5th St NW Bemidji, MN 56601-3005 218-751-5120
Home Savings of America 35 E Broadway Little Falls, MN 56345-3046 320-632-5461
Universal Financial Company Pasadena, Calif. Tel: (626) 432-7799
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