Southern Credit Partners created the Home Loan Approval Program two years ago in response to the changes in the mortgage industry. After the mortgage crisis, lender requirements became very stringent. This program offers solutions to those challenges. This program has become so successful that 9 out of 10 of its participants are getting approved*. Even when starting with credit issues. Get started today.
Southern Credit Partners is focused on the areas of your Credit Profile that a lender will evaluate before approving your loan. Lenders today approve or decline your application based on stringent guidelines. We work with you until your file qualifies. We assist you, your dealer, realtor or broker for as long as you need us to work towards getting you approved. We even match you up with the best lender and seller if you don't already have one.
We specialize in clients who are first time buyers or those who have been declined. Many have been told to come back when their "file is in order" or referred to a credit repair company who handles only a very small part of the required process and will not be able to meet the buyers long term goal of purchasing a home. The loan underwriting process is filled with landmines that even many professionals find daunting. Home loan approval goes way beyond removing negative items from your credit report and doing that alone can even hurt your chance of qualifying. Our focus is on all 30 credit overlays evaluated by the lender and unless all are covered effectively and qualify, your credit score means very little at all. Get started today.
We work with lenders who specialize in harder-to-approve buyers, with this exclusive program that was developed to help families achieve the lifestyle they thought was out of their reach. We also can work with your existing lender when you already have that relationship.
The team at Southern Credit Partners has been successful in every aspect of real estate transaction from buying, to selling and lending. We understand each part of the the process and know what is required to gain approval for a home purchase.
*when you follow your Personal Action Plan (your personalized program/steps) and your debt/income qualifies. Income is figured on gross income before taxes.
How can I get approved for a Home Loan with Bad Credit?
Find out how you can, in just a few months!