Loans

Not necessarily. Different lenders offer different products and specialize in helping different types of borrowers. There are lenders who only issue credit to borrowers with the best credit, and there are lenders who specialize in helping people of a wide variety of credit backgrounds get the loans they need.

Many homeowners are reluctant to refinance for fear of starting over on their payment plan. However, there are ways to get a lower monthly payment and still stay on track to finish at the same time. All you need to do is ask your lender to amortize your payments to get a shorter payment schedule.

If you have a damaged credit history, you could still qualify for a home loan. Things like bankruptcy, repossession or a habit of paying bills late can make you a high-risk loan candidate. Many lenders avoid lending to this customer segment. However, H&R Block Mortgage specializes in helping homeowners with less than perfect credit. So don't worry - give us a call and see how we can help you.