Bad Credit Mortgage Programs

At Manhattan Mortgage Nationwide and Concept Group (registered New York Mortgage Broker Concept Group I/L/O/T/N Manhattan Mortgage Corporation), we understand not everyone can have "Perfect Credit". That's why we maintain relationships with bad credit mortgage lenders who offer a wide range of products tailor made for clients in need of a bad credit mortgage program. Life happens, and you shouldn't let a past bankruptcy or other past credit problems stand in the way of your ability to obtain mortgage financing.

As part of our mortgage underwriting review process, we take into account where you are today and where you are going tomorrow. In reality, getting a mortgage shouldn't just be about where you've been. Our FHA Mortgage program offers credit flexibility for home buyers who have recovered financially and have maintained a solid track record for the past two years. In addition, we offer a wide range of Sub-Prime programs designed for home buyers with poor credit. These programs encompass both adjustable rate and fixed rate mortgage products and have flexible underwriting for "damaged" credit.

As a registered New York Mortgage Broker, Concept Group does not make loans in New York, rather we work on your behalf with over 100 different mortgage lenders to negotiate the best bad credit mortgage interest rate, repayment terms and identify mortgage programs to facilitate and create the best mortgage solution for your credit situation. It's why, according to the National Association of Mortgage Brokers, the typical consumer who works with a broker usually gets a better rate and terms than one who works with a single lending institution.

If you presently own a home and are trying to prevent or recover from a financial crises, we may be able to help you tap into your equity by refinancing your current mortgage. If you have a great low rate, and prefer, we may have a second mortgage program that can help you out of a credit crunch or prevent your credit from becoming significantly damaged. Regardless of your situation, Manhattan Mortgage Nationwide and Concept Group offers a highly competitive range of bad credit mortgage programs to meet almost any situation.