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Glossary of mortgage terms
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About Us
LowestRatesLending is an independent mortgage banker who can place mortgages from a variety of lending sources. We pride ourselves on our honest, personal and professional service where we confirm all the costs and fees upfront... More
Bad Credit
Our objective is to provide the consumer with vital lending information that is needed to make a smart credit decision. Even if you've had credit problems in the past, we are eager to serve you!

Ten good reasons to Choose us
As your Subprime Provider (Bad Credit)
  1. 55% Debt-to-Income Ratio allowed for all credit levels.
  2. Stated income program for W-2 and self-employed borrowers (up to 85% LTVs for self-employed rate/term refinance and purchase loans)
  3. Up to 85% LTVs - one day out of bankruptcy.
  4. 95% LTVs to $400,000 - two years out of bankruptcy.
  5. Up to 3 rebate points allowed with two-year prepayment penalty (1 rebate point without prepayment penalty).
  6. Can collect for escrows/impounds - your choice - no additional fees either way?
  7. No minimum trades!
  8. Collections greater than 24 months can remain open up to $15,000 combined total (not required to pay medical expenses and title must not be affected)
  9. Up to 85% LTV for borrowers with no credit score
  10. Low fees!

15/30 Year Conventional LoansC.O.S.I./C.O.F.I./C.O.D.I. LoansFHA/VA LoansBad Credit (Subprime)RefinancingHome Equity Loans
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