VITH POOR CREDIT

[Pages:7]LENDERS FOR PEOPLE \VITH POOR CREDIT

MANY LENDERS OFFER LOANS FOR PEOPLE or businesses with poor credit. "Bad credit lenders" can be banks, credit unions, subprime lenders, private finance companies, hard money lenders, debt consolidators, payday loan lenders, car financing companies and more. However, only a portion of each type of lender offers bad credit loans, and each has its advantages and disadvantages.

WHAT IS BAD CREDIT? Although the numbers vary slightly from one source to the next, credit scores of less than 620 are generally considered poor. Scores of less than 550 are considered very poor.

PEOPLE WITH POOR CREDIT CAN OFTENTIMES GET RELIEF from high debt, high mortgage payments and high interest payments by getting a bad credit loan. In some cases they can even get a credit card balance reduced.

PEOPLE CONSIDERING A BAD CREDIT LOAN need to choose a smart, safe route before taking on such a loan. Here are a few steps that can help borrowers avoid problems:

1. Become educated about the bad credit loan options available from a number of lenders 2. Investigate each lender and its loan programs. Shop around for the best deals 3. Obtain any materials the lenders can provide on their bad credit loan programs 4. Read the materials carefully, watching out for any potential trouble spots-such as up front

fees, extremely high interest rates or a lender who seems to be in a rush to make the loan 5. Try talking to some of the lender's customers-you might have friends or family who've

used the lender in the past 6. Steer clear of payday loan companies. It's unlikely a good deal could be found there. 7. Check the lender's profile and rating with the Better Business Bureau (Web site:

) 8. Above all, DON'T PAY FRONT MONEY for any loan. DEPENDING ON THE LENDER, THE PURPOSE OF THE LOAN (for example, mortgage, refinance or debt consolidation) and the size of the loan being sought, a lender might charge a legitimate application processing fee. But not everyone agrees on what is a legitimate fee.

A PROCESSING FEE OF $500 OR SO is deemed excessive by many lending experts. Legitimate processing fees may be needed to cover necessary expenses incurred by the lender, including such things as preparation of property appraisals, documentation and agreements. If you're using a loan broker and the processing fee seems excessive, tell your broker you won't agree to the loan when the processing fee is so high.

Heights Finance Corporation P.O. Box 9520 Peoria, IL 61612-9520 1-(800)-510-4620 1-(309)-693-6688

CustomerService@

American Nationwide Mortgage 361-334-5366 6102 Ayers St Corpus Christi, TX

Nationwide Loans 3435 North Cicero Avenue Chicago, Illinois 60641 (773) 777-7600

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LENDERS FOR PEOPLE WITH BAD CREDIT

Quicken Loans 1050 Woodward A venue Detroit, MI 48226 (313) 373-3000

Michigan & Griswold Honor Finance Illinois 1563 Shennan Avenue Evanston, IL 60201 (847) 733-0300

Compass Bancshares 15 S. 20TH ST. Birmingham, AL 35233 Tel: 205-297-3000 Web site:

Synovus Bank of Tampa Bay 5801 49th St N, PO Box 30707 St. Petersburg, FL 33630 7278248726

Golden West Financial Corp. Savings & Loan 1901 Harrison St. Oakland, CA 94612 510-446-3420

M&T Bank 301 W. Chesapeake Ave., 4th Fl. Towson, MD 21204 410-512-4771

Citigroup 153 East 53rd Street 16/F, Zone 19 New York, NY 10022 (212) 559-9124

Amsouth Bank 51 West Bay Street Jacksonville, FL 32202 Contact: Graham Martin Phone: (800)284-4100, x0392

Bank of America 100 N. Tryon Street Charlotte, NC 28255 (704) 386-5681 Wells Fargo

Affiliated Financial Corp. (888) 605-0400, Ext. 2162. 13680 NW 5th St, Sunrise FL, 33325 Web site:

Wells Fargo 410 Montgomery Street San Francisco, CA 94103 (866) 249-3302

Coastal La Jolla Funding 7709 Eads Ave La Jolla, CA 92037 phone: 858-456-2423 Fax: 858-225-3683

Emigrant Direct 13 Croton Ave Ossining, NY 10562 E-mail: emigrantdirect@ Phone: 1-800-836-1997

Profolio Horne Mortgage 2500 City West Blvd., Ste 525 Houston, TX 77042 Toll Free: (800) 889-2564 Phone: (713) 977-2700 Fax: (713) 977-2732 info@

Wachovia Mortgage Corp 3200 Camelback Rd, Ste 128 Phoenix, AZ 85018 Tel: (602) 956-2122 (866) 560-5064 Fax: (956) 567-6030

Somerset Investors Corp.

106 Medinah Dr.

Reading, PA 19607

Toll Free:

(800) 675-9783

Fax: (631) 370-2990

Email:

cs@

Dallas Home Loan Inc. 7005 Chase Oaks Blvd., Plano, Texas 75025 Phone: 866-544-3453 E-mail: leads@

Lendance, Inc. 431 E. Central Blvd, Suite 90 I, Orlando, FL 32801 1-800-536-3262

TO Bank 75 Rockefeller Plaza at 51 st Street New York City, NY 10019 Tel: 212-314-9800

Houston Mortgage 113 Cedar Ridge Dr., Rockport, TX 78382 Phone: 1-800-441-0571 Email: info@

Virtual Bank P.O. Box 109638 Palm Beach Gardens, FL 33410 E-mail: sales@ Phone: 1-877-998-BANK

Texas Capital Mortgage 28 FM 1960 West Houston, TX 77090 Office Phone: 1-866-433-0500 toll free Fax: 281-537-8502

Home Finance of America 521 Plymouth Road, Suite 112 Plymouth Meeting, PA 19462 1-800-358-LOAN (5626) FAX: 610-834-7481



Nationwide Mortgages - West Coast 701 Palomar Airport Road Ste. 300 Pacific Center Carlsbad, California 92009 1-800-584-0694

II

LENDERS FOR PEOPLE WITH BAD CREDIT

Compass Bancshares 15 S. 20TH ST. Birmingham, AL 35233 Tel: 205-297-3000 Web site:

Synovus Bank of Tampa Bay 580 I 49th St N, PO Box 30707 St. Petersburg, FL 33630 7278248726

Golden West Financial Corp. Savings & Loan 1901 Harrison St. Oakland, CA 94612 510-446-3420

M&TBank 301 W. Chesapeake Ave., 4th Fl. Towson, MD 21204 410-512-4771

Citigroup 153 East 53rd Street 161F, Zone 19 New York, NY 10022 (212) 559-9124

Amsouth Bank 51 West Bay Street Jacksonville, FL 32202 Contact: Graham Martin Phone: (800)284-4100,x0392

Bank of America 100 N. Tryon Street Charlotte, NC 28255 (704) 386-5681 Wells Fargo

Wells Fargo Corporate Headquarters 410 Montgomery Street San Francisco, CA 94103 (866) 249-3302

Coastal La Jolla Funding 7709 Eads Ave La Jolla, CA 92037 phone: 858-456-2423

Fax: 858-225-3683

Emigrant Direct 13 Croton Ave Ossining, NY 10562 E-mail: emigrantdirect@ Phone: 1-800-836-1997

Profolio Home Mortgage 2500 City West Blvd., Ste 525 Houston, TX 77042 Toll Free: (800) 889-2564 Phone: (713) 977-2700 Fax: (713) 977-2732 info@

TD Bank 75 Rockefeller Plaza at 51 st Street New York City, NY 10019 Tel: 212-314-9800

Virtual Bank P.O. Box 109638 Palm Beach Gardens, FL 33410 E-mail: sales@ Phone: 1-877-998-BANK

Texas Capital Mortgage 28 FM 1960 West Houston, TX 77090 Office Phone: 1-866-433-0500 toll free Fax: 281-537-8502

Affiliated Financial Corp. (888) 605-0400, Ext. 2162. 13680 NW 5th St, Sunrise FL, 33325 Web site:

Wachovia Mortgage Corp 3200 Camelback Rd, Ste 128 Phoenix, AZ 85018 Tel: (602) 956-2122 (866) 560-5064 Fax: (956) 567-6030

Somerset Investors Corp.

106 Medinah Dr.

Reading, PA 19607

Toll Free:

(800) 675-9783

Fax: (631) 370-2990

Email:

cs@

Dallas Home Loan Inc. 7005 Chase Oaks Blvd., Plano, Texas 75025 Phone: 866-544-3453 E-mail: leads@

Lendance, Inc. 431 E. Central Blvd, Suite 901, Orlando, FL 32801 1-800-536-3262

Houston Mortgage 113 Cedar Ridge Dr., Rockport, TX 78382 Phone: 1-800-441-0571 Email: info@

Home Finance of America 521 Plymouth Road, Suite 112 Plymouth Meeting, PA 19462 1-800-358-LOAN (5626) FAX: 610-834-7481

Nationwide Mortgages - West Coast 701 Palomar Airport Road Ste. 300 Pacific Center Carlsbad, California 92009 1-800- 584-0694

Nationwide Mortgages - East Coast 1775 The Exchange Suite 210 Atlanta, Georgia 30339 1-800-584-0694

Fast Cash Serving the San Francisco Area (800) 510-2274

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LENDERS FOR PEOPLE WITH BAD CREDIT

Acceptance Home Mortgage 817-878-4220 1203 Lake St Fort Worth, TX

CitiFinancial 605 Munn Road Fort Mill, SC 29715 1-800-995-2274

Eaton Partners Inc (603) 626-1964 814 Elm St Ste 500 Manchester, NH

First Franklin 3 1248 Oakcrest Drive Westlake Village, CA 91361 800-404-4644

Argent Mortgage Alt-A, Sub-Prime, High LTV One City Blvd. West, Suite 1500 Orange, CA 92868 866-Argent-Age

Bay Capital Corp. Sub-Prime 10811 Red Run Blvd., Suite 200 Owings Mills, MD 21117 800-727-2660

Cit Group Home Lending Sub-Prime, AIt-A 1 CrT Dr. Livingston, NJ 07039 800-569-3549

Decision One Mortgage AIt-A, Sub-Prime d 3040 Saturn Street Suite 202 Brea, CA 92821 866-725-9794

DB Home Lending db- 26521 Rancho Parkway South Ste.210 Lake Forest, CA 92630 800-416-0614

Saxon Mortgage Sub-Prime, AIt-A 4840 Cox Rd Glen Allen, VA 23060-6292 888-saxon-au

Encore Credit Corp. Sub-Prime, Alt-A 1833 Alton Pkwy. Irvine, CA 92606 877-362-6735

Equifirst Alt-A, Sub-Prime 500 Forest Point Cir. Charlotte, NC 28273 800-232-3477

Horne Loan Magician 203 Washington St, Salem Massachusetts 01970 800-997-9572

Long Beach Mortgage Co. 1400 Douglas Rd, Suite 100 Anaheim, CA 92806 800-743-3336

Novastar Mortgage Inc. 888-829-6701

Wilmington National Finance 4301 Anchor Plaza Parkway, ste 230 Tampa, FI. 33634 877-963-7520

Profile Mortgage Llc (603) 883-6515 151 Amherst St Nashua, NH

Webster Bank 609 W. Johnson Ave Cheshire, CT 06410 203-271-7195

Atlantic Financial Services -1300 S Croatan Hwy, POBox 2581 Kill Devil Hills, NC 27948 Phone: (252) 441-4422

Wells Fargo Home Mortgage (603) 524-4725 1 Mill Plz Ste 1 Laconia, NH

Option One Mortgage Sub-Prime, Alt-A 3 Ada Irvine, CA 92618 800-704-0800

Resmae Mortgage Corp. Sub-Prime, Alt-A 6 Pointe Dr Brea, CA 92821 714-987-5000

Auto Trakk LLC ;1500 Sycamore Rd. Suite 200 V Montoursville, PA 17754

(888) 689-7117 dealerinfo.htm

CARFINCO '11/4245-97 Street, #300

Edmonton, AB T6E 5Y7 (888) 486-4356

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LENDERS FOR PEOPLE WITH BAD CREDIT

Nationwide Mortgages - East Coast 1775 The Exchange Suite 210 Atlanta, Georgia 30339 1-800-584-0694

County Bank 550 W. Main Street Merced, CA 95340 (877) 722-7733

Capital Mortgage Services (806) 796-7231 421250thSt Lubbock, TX

BB&T 200 W. Second ST. Winston-Salem, NC 27101 Tel: 336-733-2000

Royal Loan Co 1024 Mission Street San Francisco, CA 94103 (800) 845-0008

C Romay Real Estate & Mortgage Inc 361-654-1055 2830 Cimarron Blvd Corpus Christi, TX

Financial Firebird Corporation 150 North Street, Suite 40 Pittsfield, Massachusetts 0 I20 1 888-669-8650

Nationwide Northwest 1920 E. Sahara A venue Las Vegas, NV 89104 (888) 209-4447

Cook Ralph L Appraisals & Mortgage Loans 361-241-1442 4250 Five Points RD Corpus Christi, TX

Countrywide Full Spectrum Lending Serving the San Francisco Area (888) 696-3808

Whitetail Financial Inc. 17141 Ventura Blvd. Suite 206 Encino, CA 91316 (877) 850-6307

Home Equity 1207 Antoine Drive St 200 Houston TX 77055 1-877- TX-Iending

Texas Lending 4309 Alpha Road Dallas, TX 75244 Phone: 972-387-4600

Alpha Stream Capital Management 220 Montgomery St San Francisco, CA 94104 (415) 837-1462

Jordan Capitol Holdings Mortgages - Financial Planning & Consultants 888-780-3135

Patriot Bank Mortgage Inc (956) 753-7000 20 I W Del Mar Blvd Laredo, TX

Marshall & Iisley Corp 4501 W 135th St Overland Park, KS 66224 (913) 402-3440

Zions Bancorp One S. Main Salt Lake City, UT 84111 Tel: 801-524-4787

Heights Finance Corporation P.O. Box 9520 Peoria, IL 61612-9520 1-(800)-510-4620 1-(309)-693-6688

CustomerService@

American Nationwide Mortgage 361-334-5366 6102 Ayers St Corpus Christi, TX

Nationwide Loans 3435 North Cicero Avenue Chicago, Illinois 60641 (773) 777 -7600

Dimension Mortgage (956) 729-8200 616 W Calton RD Laredo, TX

Nationwide Southeast 3675 Crestwood Parkway Duluth, GA 30096 (888) 581-0009 or (770) 935-LOAN

Fast Cash Serving the San Francisco Area (800) 510-2274

All Talk Mortgage (972) 495-8271 2418 Green Meadow Dr Garland, TX

Allied Home Mortgage Capital 817-496-5460 6737 Bridge St Fort Worth, TX

Mid-Atlantic Finance 15500 Lightwave Drive, Suite 201 Clearwater, FL 33760 (800) 793-9661

Universal Financial Company Pasadena, Calif. Tel: (626) 432-7799

Encore Credit Corp. 1833 Alton Pkwy. Irvine, CA 92606 877-362-6735

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LENDERS FOR PEOPLE WITH BAD CREDIT

BB&T 200 W. Second ST. Winston-Salem, NC 27101 Tel: 336-733-2000

Royal Loan Co 1024 Mission Street San Francisco, CA 94103 (800) 845-0008

County Bank 550 W. Main Street Merced, CA 95340 (877) 722-7733

C Romay Real Estate & Mortgage Inc 361-654-1055 2830 Cimarron Blvd Corpus Christi, TX

Countrywide Full Spectrum Lending Bad Credit Financial Services

Serving the San Francisco Area

1;489Webster St Ste 268

(888) 696-3808

YSan Francisco, CA 94115

(415) 928-1400

Whitetail Financial Inc.

17141 Ventura Blvd. Suite 206

Benchmark Mortgage

Encino, CA 91316

972-633-5550

(877) 850-6307

2380 E Park Blvd

Plano, TX

Home Equity

1207 Antoine Drive St 200

Financial Firebird Corporation

Houston TX 77055

150 North Street, Suite 40

1-877 -tx -lending

Pittsfield, Massachusetts 01201

888-669-8650

Texas Lending

4309 Alpha Road

Allied Home Mortgage Capital

Dallas, TX 75244

Corporation

Phone: 972-387-4600

817-496-5460



6737 Bridge St

Fort Worth, TX

All Talk Mortgage

(972) 495-8271

Marshall & Iisley Corp

2418 Green Meadow Dr'

4501 W 135th St

Garland, TX

Overland Park, KS 66224

(913) 402-3440

Alpha Stream Capital Management

220 Montgomery St

Zions Bancorp

San Francisco, CA 94104

One S. Main

(415) 837-1462

Salt Lake City, UT 84111

Tel: 801-524-4787

Jordan Capitol Holdings

Mortgages - Financial Planning & Finance Tracker Limited

Consultants

Po Box 318

888-780-3135

Torquay Devon

TQl IZR

Patriot Bank Mortgage Inc

UK

(956) 753-7000

Within the UK: 0844 856 74 95

201 W Del Mar Blvd

International: +44 (0)844 856 74 95

Laredo, TX

Fax Number: 0845 257 69 80

Heights Finance Corporation P.O. Box 9520 Peoria, IL 61612-9520 1-(800)-510-4620 1-(309)-693-6688

CustomerService@

American Nationwide Mortgage 361-334-5366 6102 Ayers St Corpus Christi, TX

Nationwide Loans 3435 North Cicero Avenue Chicago, Illinois 60641 (773) 777-7600

Dimension Mortgage (956) 729-8200 616 W Calton RD Laredo, TX

Nationwide Loans 3435 North Cicero Avenue Chicago, Illinois 60641 (773) 777-7600

Capital Mortgage Services (806) 796-7231 4212 50th St Lubbock, TX

Nationwide Northwest 1920 E. Sahara Avenue Las Vegas, NY 89104 (888) 209-4447

Cook Ralph L Appraisals & Mortgage Loans 361-241-1442 4250 Five Points RD Corpus Christi, TX

Nationwide Southeast 3675 Crestwood Parkway Duluth, GA 30096 (888) 581-0009 or (770) 935-LOAN

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LENDERS FOR PEOPLE WITH BAD CREDIT

C&F Finance Co. 4660 S. Laburnum Avenue Richmond, VA 23231 (804) 236-9601

Coastal Credit 3852 Virginia Beach Blvd. Virginia Beach, VA 23452 (800) 969-2729

Columbus Finance Inc. 3050 East Main Street Columbus, Ohio 432099 (614) 236-8541

Community Choice Financial 5200 Maryland Way, Suite 310 Brentwood, TN 37027 (615) 370-5401 https:llfirst-5

CUdirect Connect 6377 S. Revere Pkwy. #200, Suite 200 Centennial, CO 80 III (720) 260-3188

Diamond Finance Co., Inc 50 Jericho Tpke, Suite 200 Jericho, NY 11753 (888)536-6500

Equity Auto Finance 2718 W. Oakland Park Bulevard Fort Lauderdale, FL 33311 (800) 683-1095

Fifth Third Alternative Finance 925 Freeman Avenue, MLD 009014 Cincinnati, OH 45202 (877) 782-8102

Friendly Finance Corp. 6340 Security Blvd., Suite 200 Baltimore, MD 21207 (800) 872-2877#

FSB Financial 110 West Randol Mill Road, Suite 100 Arlington, TX 760 II (888) 372-3868

Donate-Money-z-Me Reliable Resources, Inc 711S. Carson St. Suite 4 Carson City, NY 89701

FSB Financial

Bad Credit Alliance (BCA)

110 West Randol Mill Road, Suite ..2550 Meridian Boulevard

100

~'Suite 200

Arlington, TX 76011

Franklin, TN 3706

(888) 372-3868

Globe Acceptance, Inc PO Box 65400 West Des Moines, lA 50265 515-225-9067 globeaccepts@

Credit Loan, LLC ,'235 Apollo beach blvd, ste 218 t/ Apollo Beach, Florida 33572

bttp:// Email: support@

Honor Finance Nevada 8290 W. Sahara, Suite #150 Las Vegas, NV 89117 (888) 924-6667

Kaptor Financial 939 Lawrence Avenue East, PO Box 47590 Don Mills, ON M3C 3S7 (866) 850- 7911 maclease.ca

New Bank Icon Resources, Inc. 6101 Southwest Freeway Ste 112 Houston, Texas 77057 713-349-8282 866-543-5153

Bad Credit Lender . 7709 Eads Avenue, Suite 9 v' San Diego, California, 92037

Phone 858-454-4034

Mid-Atlantic Finance 15500 Lightwave Drive, Suite 20 I Clearwater, FL 33760 (800) 793-9661

Union Finance 1703B North Main Street Suffolk, YA 23434 (757) 934-1537

First Federal Bank 214 5th St NW Bemidji, MN 56601-3005 218-751-5120

Home Savings of America 35 E Broadway Little Falls, MN 56345-3046 320-632-5461

Universal Financial Company Pasadena, Calif. Tel: (626) 432-7799

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