If you're looking to buy a home or to refinance an existing mortgage, but are concerned about your credit history or credit score, don't be. Getting a mortgage with less than perfect credit is possible!
At American Financing, we offer in-house, manual underwriting when evaluating borrowers. This allows for
greater flexibility in the loan approval process.
Plus, we'll look at a variety of things outside of credit, including: your employment history, your ability
to pay bills on time, your income vs. debt, and even your cash reserves. With access to every loan in the
industry, our mortgage consultants will take everything into consideration to increase your chances of loan
How it works
Experience the convenience of an online application and have access to a direct contact who can walk you
through each stage of the loan process. You'll share some basic personal and financial information to learn
what loan programs you may be eligible for.
If approved, we can help carefully evaluate your options, customizing the ideal loan for your financial
If you're just shy of meeting loan program qualifications, our credit care team can coach you through credit
weaknesses and next steps. Their guidance can get you started on removing credit inaccuracies and improving
your overall credit score — fast. Affordable home ownership is within reach.
Qualify for a customized, low rate loan today, and find out how much you may be eligible for!
Don't just take our word for it. Listen to what others have to say about their credit care experience.
Great service from the American Financing Credit Care Team! Without them, I would have never been able to
raise my score to get this refinance. AAA+++
I worked with the American Financing Credit Care Team to get my credit score up so we could qualify for as a
first-time homebuyer loan. They went above and beyond my expectations and even helped my husband raise his
score over 100 points! We are so grateful for everything. We couldn't have done it without them!