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Owning property is the American dream, but not having credit can be an American nightmare. Many people face risks they need to take that don't work out, and others may experience unforeseen circumstances that severely impact their lives and devastate their financial situation.
Hardships that cause late mortgage payments, missed credit card payments, non-sufficient accounts, auto repositions, property short sales, and foreclosures are more common through economic downturns and are usually not accepted by traditional banks when applying for a loan. We're here to ensure you find the best options when rebuilding your credit. We'll help you find better options through the credit rebuilding process to help motivate you through the steps. We helped many borrowers navigate the 2008 recession, and continue to help them pursue their real estate goals today.
We provide the following solutions for credit challenges:
DCI Mortgage specializes in assisting clients with challenged credit histories, bringing a wealth of expertise to the table. Our team understands the complexities of credit recovery, offering tailored solutions to help you rebuild your credit and achieve your homeownership goals. We go beyond the credit score, providing guidance and support throughout the process.
Unlike traditional lenders, DCI Mortgage offers flexible lending options for individuals with challenged credit. We believe in second chances and work tirelessly to find solutions that fit your unique financial situation. Our diverse portfolio of loan products allows us to explore alternatives that may not be readily available through mainstream banks, ensuring you have access to viable lending options.
Use our easy online form to apply & get fast approvals
Secured & unsecured options with no personal guarantee
Pick the terms that work best for your business
Funds in a few business days for most programs
At DCI Mortgage, we don't just see a credit score; we see the potential for improvement. We develop personalized credit improvement plans that address specific challenges and set you on a path toward financial recovery. Our goal is not only to secure a mortgage for you but to actively contribute to your credit rebuilding journey.
Navigating the mortgage process with challenged credit can be intimidating, but DCI Mortgage ensures a transparent and supportive experience. We demystify the process, keeping you informed at every step. Our team is dedicated to answering your questions, providing clear insights, and creating a supportive environment that fosters confidence in your financial journey.
Choosing DCI Mortgage means choosing a partner committed to your financial success, regardless of your credit history. We understand that life brings challenges, and our commitment is to help you overcome them. By offering a supportive and understanding approach, we aim to turn your homeownership dreams into reality, even if you've faced financial setbacks in the past.
You've been in bankruptcy and paying on your payment plan for almost a year. You're considering buying a new home but believe you can't because of the recent bankruptcy.
Block: Many lenders will not consider lending to someone who went bankrupt in the last seven years.
Unblock: We have options for a loan once your bankruptcy is discharged or a year of being current on a bankruptcy payment plan. We will also look at better loan options to reduce your rate once your case is two to three years past the discharge date.
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We want to give you 10% discount for your first order,
Use discount code at checkout
We want to give you 10% discount for your first order,
Use discount code at checkout