First Time Home Buyer
Are you a first time home buyer but have bad credit or past bankruptcy? If so, Bad Credit Alliance is the right choice in getting your first time homeowner mortgage approved! Through our alliance with 100 of the top bad credit lenders nationwide, we can help you find a mortgage that best suits you, even if you need a 100% no money down mortgage loan.
If you’re a first time home buyer with bad credit then let our lenders offer you the best competitive rates on conventional loans, or you may qualify for a 100% no money down first time home buyer loan. You’ll enjoy the convenience of our two-step process for receiving quotes and applying for your loan. Real estate agents prefer working with pre-approved home buyers, and we’ll make sure you’re pre-approved with a letter to take to your realtor.
Buying a home for the first time is normally a stressful process. However, Bad Credit Alliance will be with you every step of the way. First time home buyers can get their loans approved with no down payments and terms ranging from 10 to 30 years.
Having your own first time home buyer loan specialist. A trained professional will be assigned to you. You will not have to worry about repeating yourself to various people who do not know you. You’ll never have unanswered questions. This specialist will be dedicated to giving you expert advice and assistance throughout the mortgage process.
Bad Credit Alliance can help find the lender if your a first time home buyer with bad credit or past bankruptcy. Everyone deserves the American Dream of home ownership. We help you obtain it without a hassle!
What other advantages does Bad Credit Alliance offer?
- No Credit Check – Get Free Quotes Without Pulling Your Credit Score.
- Your Own Personal First Time Home Buyer Specialist.
- Secure Online Application Process.
- Get Pre-Approved in 24 Hours With Our Fast 2-Step Online Quote Application.
- Customized Pricing.
- Rate Lock, If You Choose.
- Immediate Pre-Approval Letter For Home Shopping.
- 100% Financing – Interest Only Mortgages – No money Down Programs Available to First Time Homeowners
Bad Credit Auto Loan
We at Bad Credit Alliance have proudly powered with many auto loan companies nationwide. We will help you get Pre-Approved for a bad credit auto loan, even with current or past bankruptcy.
We can help you get the auto loan you deserve! Let us help you get behind the wheel of virtually any type of new or used car… All makes and models available.
We will receive your application within moments and contact you promptly. Whether you have current bad credit, bankruptcy or past credit problems, our car loan experts will work with you every step of the way to help you get the credit you deserve.
About Our Auto Loans
Apply for a loan online by completing the short application. With Bad Credit Alliance auto loan lenders nationwide, there are no restrictions on the vehicle you purchase or the dealership you choose.
Our Approval Process
Your loan application will be reviewed and you should receive a response within 15 minutes during our normal business hours.
Bad Credit Auto Loan FAQ’s
Q: Is the bad credit auto loan program for new cars or used cars?
A: Our lenders handle both new and used cars. Our financing experts will help you determine the best situation for you.
Q: What are the interest rates for my auto loan?
A: Interest rates are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. Your auto loan expert will explain these factors, and tell you exactly what your interest rate will be.
Q: How long does the application process take?
A: You will be contacted very promptly by the bad credit auto lender we matched to your profile. The approval process is usually within several minutes to a few hours.
Q: Can I get really an auto loan even if I have bad credit or bankruptcy?
A: Of course! Our lenders will work with you every step of the way to help you get approved!
Q: Will it help if I have a co-signer on the loan?
A: If your co-signer has good credit status, this will definitely help your chances of getting an approval, but it’s not required.
Q: Are there any fees associated with your auto loan application?
A: This is a completely free service.
Bad Credit Auto Loan Guidelines:
- 18 years or older.
- You must be currently residing in the USA.
Bad Credit Motorcycle Loan
If you’re looking to get a motorcycle loan our partner American General offers you a wide variety of options to get you on your new or used bike. We make it simple for you to go through the application process for your motorcycle loan.
Bad Credit Alliance wants to help you get a motorcycle loan, even with past bad credit or bankruptcy.
Our motorcycle loans have attractive interest rates that are much less than the interest you’ll pay at most local and national banks. Our staff is happy to give you the answers to any questions you may have regarding your loan and looks forward to serving you.
Who Can Qualify?
- Any Bankruptcy should be discharged for 5 years.
- Earn $195 or more per week
- Have a valid Social Security Number
- Have been employed at your current job at least 6 months
- 18 years or older
- You need the cash within 1-4 business days
Bad Credit Second Mortgage
Tired of writing so many checks to pay your bills each month? You can use the equity in your home to consolidate your bills, lower your monthly payments and get out of debt with a second mortgage loan.
What is a Second Mortgage?
If you are like most homeowners, you probably have a first mortgage loan on your home. Typically, such mortgage loans are for 15 to 30 years, with the monthly payments adjusted so that the loan is paid in full at the end of the term.
As you make monthly mortgage payments and the value of the home increases, your interest in the property – called equity – grows. These types of loans are often called second mortgages because the equity in your home is collateral for the amount of credit you request.
Often time, homeowners may wish to borrow against the equity in their home to get cash, to make home improvements, to educate their children, or to consolidate credit card debts.
Through our alliances with second mortgage lenders nationwide we now offer our second mortgage loans to people with bad credit problems or rebuilding after bankruptcy. Second mortgages allow you to obtain cash advances for quick access to extra money or you can a write check to yourself up to your credit limit.
What advantages does Bad Credit Alliance offer to consumers with poor credit?
- Easy to apply – Just takes 3 minutes to get started!
- Get Pre-Approved in 24 hours with our fast online application.
- Borrow up to 100% of your homes value!
- Rate Lock, if you choose.
- Lower your total monthly bill payments. Make only one affordable monthly payment at an affordable interest rate.
- Save at tax time. Take a deduction at tax time!
- Consolidate all your bills into one easy monthly payment – putting extra money into your hands each month!
Bad Credit Auto Refinance
Bad Credit Alliance, has powered with several auto refinance companies to offer people a unique program geared for Internet users that want to refinance their existing auto loan and have limited credit options, bankruptcy or have had bad credit problems in the past.
Auto refinancing your car or truck for bad credit individuals is no problem! No matter how bad your credit is be sure to take a few minutes to complete our online applicationso we can help you locate an auto refinace lender that will get your car or truck refinanced at the best rate, even with bankruptcy.
With Our System You’ll Get:
- A Quick Auto Refinance Application.
- Lowest Auto Refinancing Interest Rates – even with bad credit or past bankruptcy.
- No Application Fees.
- No Prepayment Penalty.
- All Types of Cars and Trucks Accepted.
- Fast and Easy Approval.
- Key to your negotiating power saving you hundreds, even thousands on your auto refinance loan, even with past bad credit problems.
- 18 years or older
- If you have previously declared bankruptcy, it must have been discharged.
- You should be currently up to date on your other loan/credit payments.
- You must be currently residing in the USA.
- Refinance after you’ve made at least 1 payment.
Home Equity Loan
Need help obtaining home equity loan? Bad Credit Alliance, together with mortgage lenders nationwide, gladly helps people obtain home equity loans–including people with past bankruptcy. We facilitate the frustrating loan process, especially for those looking for easy approval on equity lines of credit.
How do we facilitate the equity loan process for consumers with poor credit?
- Our network of lenders are experienced, motivated professionals. They will give you knowledgeable answers to questions. (Many other lenders hire inexperienced personnel who cannot help you.)
- You don’t need to fill out and read mountains of complex paperwork. We utilize technology to simplify the application process.
- Our lenders are upfront with all costs, which are very affordable. (Some lenders hide costly fees.)
- No equity is required either! (Try to get any of those from a bank!) Receive up to 125% of your home’s value! If your home is worth $100,000, you could receive a loan of $125,000!
How can we offer such superior services at such low costs–with no equity?
It’s simple: We utilize advanced technology. It reduces our overhead and greatly simplifies the loan process. Since our lenders save, you save. You will save up to 5% or more by using our online service rather than off-line brokers.
The Bad Credit Alliance online technology brings applicants all these benefits:
- Instantaneous rate quotes – at any time of day or night – customized to your needs.
- Online application – greatly expedites the process.
- Lower costs – because we operate for less, you pay less–but get more.
Mobile Home Loans
Looking to finance the mobile home of your dreams? We can provide mobile home loans when most banks cannot. There are a variety of ways we can assist you.
We have powered with mobile home lenders nationwide to help get you the money you need to finance your mobile home loan, even with past bad credit problems or after bankruptcy.
Want to buy a mobile home, but are afraid of being turned down for a loan because you have too much debt? Our powerful network of mobile home lenders can help even if you have past bad credit problems. With our mobile home loans, you may be able to get the money you need to buy a mobile home and pay off debt!
Our easy online process allows you to submit your application over the Internet and get a response in 24-48 hours. It takes just a few minutes to complete. Why not get started NOW?
How good does my credit have to be?
As credit is just one aspect of your application that is considered. Other areas reviewed are your job and residential stability and your ability to pay for the loan based on your income. We work hard at getting your mobile home loan approved even with past bad credit problems or bankruptcy.
How long does the loan application process take?
The loan application process is quick and painless, generally taking 24-48 hours to get your answer.
How do we close?
Once we match you to a mobile home lender in our network, our lenders will contact you to answer any questions you may have and to get whatever is needed to close. When everything is ready, our mobile home lender will then contact you to set up a convenient time and place for closing.
Many bad credit homeowners try to achieve the best rates possible when theyrefinance there mortgage. Often, though, they cannot wait for rates to drop before they close. These homeowners–and perhaps you’re one of them–are good candidates for mortgage refinancing.
The problem: Mortgage Refinance for bad credit. Many lenders don’t deal with bad credit risks.
The solution: Our network of lenders do! If you have mortgage refinancing needs, Bad Credit Alliance and our network of bad credit lenders will even assist you in refinancing your mortgage after you have been discharged from chapter 7 or 13 bankruptcy, recent divorce or current bad credit problems.
You should refinance your mortgage if your current rate is two or more points above interest rates available today. There are lots of reasons why homeowners decide to refinance their mortgage. You may wish to take advantage of lower interest rates, thereby putting more money in your pocket by lowering your monthly payment. If you have an adjustable mortgage, you might want to change it to a fixed mortgage at a lower rate.
If you have significant equity in your home, you might want to refinance with a cashout option then take the extra money and finance your child’s college education, buy a new car or boat, take a long vacation, or make improvements to your house.
You may have noticed that your credit card or other debts are very high and the interest you’re paying is exorbitant. If that’s the case, you may refinance your mortgage to consolidate your other bills and make one payment per month.
At Bad Credit Alliance we make the process of refinancing your mortgage fast and uncomplicated. We offer free quotes, and we will get the best rates possible for your mortgage refinance loan.
What advantages does Bad Credit Alliance offer?
- Application – Consists of only 2 brief sections.
- Security – Your information is protected by our secure server, ensuring privacy and confidentiality.
- Online loan calculators – Get to the bottom line fast by figuring out your loan payments quickly and easily.
- Full Service – Our professionals treat you with the respect you deserve. They are fully trained mortgage professionals, not telemarketers. They are dedicated to helping you achieve your goals, regardless of your credit report.
Homeowners are often misled by myth it is difficult to get a home improvement loan with bad credit or bankruptcy. In reality, most consumers are just contacting the wrong lenders.
Our service allows people to search numerous bad credit home improvement lenders with just a few mouse clicks and locate the lender that best fits there needs. Here are some advantages you will receive with us:
The Power of Choice!
One of the biggest mistakes that most consumers with bad credit make when shopping for a home improvement loan is they only contact one home improvement lender.
Consider this – would you only go to one dealership if you were buying a new car? Bad credit home improvement loans, like car prices, are negotiable. The best way to shop for a home improvement loan is to request comparable quotes from several companies.
Submit it Once – Save $1,000’s!
Bad Credit Alliance understands the importance of shopping around. After all, you want to make sure that you get the best rate possible on your home improvement loan, even with credit problems. Our partnership with 100’s of home improvement lenders enables you to shop multiple lenders from one web site and one application. Our service will help you determine the total loan costs to get the best home improvement loan, and locate the best annual percentage rates (APR).
Some of the greatest frustrations throughout the home improvement loan process include: not being able to get someone on the phone, working with inexperienced people, higher costs than were anticipated and too much paperwork! At Bad Credit Alliance we have made great strides, through the use of technology combined with a highly motivated team of experienced home improvement loan professionals, to ease the pain commonly associated with the process.
Lower Rates and Closing Costs!
One huge difference is that you get lower rates and fees, even with bad credit. How? – We have been able to eliminate overhead costs through the use of technology. Typically, you will save 1% – 5% or more off your home improvement loan amount simply by taking advantage of our online lending channel as opposed to working with an offline company. The savings are passed on to you in the form of lower rates and closing costs.
Our online technology offers all of the following benefits:
Instantaneous rate quotes, around the clock, tailored to your specific needs and goals. Online applications speeding up the process. Lower cost home improvement loan, as we have eliminated the need for full commission loan officers. We will give you all the help you need along the way, regardless of past bad credit or bankruptcy.
Debt Consolidation Loan
Many people think they can’t get a debt consolidation loan if they have bad credit.Many other people apply for a debt consolidation loan, only to be turned down. Neither of these scenarios has to happen to you. Before applying for a debt consolidation loan in spite of bad credit or bankruptcy, though, there are some things you need to know.
The most important part of getting a debt consolidation loan with bad credit is that you have to understand what our lenders want and provide them with the needed information in the correct format. We built our network of lenders to connect you to a debt consolidation lender that will loan you the money. That’s why we have powered with direct mortgage lenders nationwide to offer you the debt consolidation loan that meet your special needs.
Lower Rates and Closing Costs – Even with Credit Problems?
Some of the greatest frustrations throughout the debt consolidation loan process include: not being able to get someone on the phone, working with inexperienced people, higher costs because of past bad credit problems and too much paperwork! At Bad Credit Alliance we have made great strides, through the use of technology combined with a highly motivated team of experienced direct debt consolidation lending professionals, to ease the hassle commonly associated with people who have credit problems.
One huge difference is that you get lower rates and fees, even with bad credit.
How? We have been able to eliminate overhead costs through the use of technology. Typically, you will save 1% – 5% or more off your debt consolidation loan amount simply by taking advantage of our online lending network as opposed to working with an offline company. The savings are passed on to you in the form of lower rates and closing costs.
- Borrow up to 100% of your home’s value.
- Secure online applications speeding up the process.
- Interest may be tax deductible.
- Receive 3 quotes in as little as 24 hours.
- Not a Homeowner?