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There used to be a time that subprime mortgage lenders were easy to locate using the Internet, but that day has come and gone. If you really want to get a mortgage then your best bet is to use a mortgage broker if you have bad credit. A mortgage broker has access to mortgage programs that retail banks will not extend to you.

ording to the newspaper and TV reporters that I see and hear every day you most likely need divine intervention if you are a Connecticut homeowner or a first-time homebuyer looking for a Connecticut mortgage and you have a low or poor credit score. According to the media you are in the worst possible situation at the worst possible time if you have had a bankruptcy or late payments on any of your accounts in the last twelve months. With all the mortgage companies closing and no money down financing going the way of the dinosaur it is not hard to imagine how the media came to that conclusion. However [link widoczny dla zalogowanych], having been in the mortgage business for many years I can tell you that yes, you will definitely need to take some time to work on your credit scores and save more money for a down payment and then you can get the mortgage you want. This is very different than a couple of years ago when you could borrow the entire purchase amount without a job.
I am here to tell you that no matter how low or bad your credit scores are do not let anyone discourage your from pursuing your dream of homeownership or getting a lower interest rate. While we all know that there are no more Connecticut subprime mortgage lenders there are FHA mortgages that will help you even if you have a low credit score, recently had a bankruptcy or have some current lates on your mortgage.

In the past people with bad credit went to one of the many subprime mortgage lenders that specialized in helping people who had bad credit qualify for mortgages [link widoczny dla zalogowanych], but these days the only person who is helping the family with low credit scores is the mortgage broker. When you go down to your local bank and tell them you want to refinance or purchase a home, but you do not have much money and your credit scores are sub-par they will simply tell you to go fix your credit over the next several years, but will not help you one bit in doing so. I think that it is cruel and downright wrong. If you could fix your credit overnight you have done it before you came into the bank.