Low Credit Mortgage Solutions - Get Moving in the Right Direction

At Smart Mortgage Centers we believe that there is more to a person than their credit score, and many people with less than perfect credit deserve the opportunity to own a home while they rebuild their credit. We are excited to offer a unique program for those with LOW FICO scores who might not normally qualify for a mortgage due to their credit history. If you have lower credit but are on track for improvement,  this special FHA loan can provide you with a great opportunity to rebuild your credit and enjoy all the benefits of home ownership.

What if my credit score is below the loan limit?

We know that many hardworking Americans have had credit issues that pushed their scores down. Don't worry - there are steps you can take to repair your credit and increase your scores so that you will qualify for a mortgage before you know it. While no one can guarantee they will increase your score here are a few tips that should help:

  • Pay every bill on time - every month, no exceptions. This will have a large impact on your poor credit scores.
  • Pay down credit cards and other revolving accounts to below 30% of the credit limit.
  • Make sure your credit report is accurate. A surprising number of people have mistakes on their credit reports that could be lowering their scores. Go through your report line by line and dispute any inaccuracies with the credit bureaus. There is information on how to do this on each of their websites.

If you remain diligent about paying bills and minimizing debt your low credit will be a thing of the past!

Request a quote for a lower credit mortgage from Smart Mortgage Centers

Call 888-416-0920 today to speak to a mortgage expert at Smart Mortgage Centers. Work with a loan consultant who specializes in this area so you can be confident there will be no surprises during the loan process. You can also Get Started Online and let us get to work right away!


 Apply now 

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We offer Wholesale Mortgage Rates

We never take Application Fees
Customer Excellence Awards from 2011 - 2017

Local in Illinois since 1997

You will work one on one with a licensed individual from start to finish

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Need More information

Call Us: (630) 904-1800

Email Us: smartmortgagecenters@yahoo.com

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