arizona mortgage loans


Special loan programs may be available for borrowers as soon as 1 day after bankruptcy discharge. Loans may also be available for borrowers with low credit scores, delinquent accounts, charge-offs, collections or even late payments. Ask your loan consultant for details and restrictions.

Loans After Bankruptcy

We have several different loan programs available for home owners and home buyers with a past bankruptcy. Depending on your credit score, your credit history since your bankruptcy, and the length of time your bankruptcy has been discharged, your loan consultant can match you up with a loan program that will give you the best rate and terms possible.

  • 1 Day After Discharge: Home loan programs may be available as soon as one day after your bankruptcy is discharged. If your credit score is above 600 when we pull your credit report, you may even qualify for low-down or 100% zero down financing. Perfect credit since your bankruptcy discharge is a must, and you'll need to qualify for the amount of the loan payment. Fill out our quick prequalification form now to see what you can qualify for.
  • Delinquent Accounts: Sometimes bills just don't get paid on time. We have a program with up to 100% financing available for borrowers with delinquent accounts, even with a past bankruptcy discharged. You can't have any open collections for this program, and you'll need to quality "full doc" - you'll need to be able to prove steady income. You may even qualify with a credit score as low as 540! Pre-Qualify Below.
  • Older Bankruptcies: If your bankruptcy has been discharged for two or more years and you've maintained good credit since your bankruptcy, you might be surprised by the low rates and unique programs you'll qualify for! Contact us today to discuss your situation and find out more about our loan programs! Pre-Qualify Below.

If you would like more bankruptcy information, please visit >

Pre-Qualify Now by clicking Below:

Poor Credit?

If you've been declined at other lenders because of your credit situation, you've come to the right place! We have a sub-prime department that specializes in assisting borrowers with low credit scores, late payments, collections or charge-offs. Not sure what your credit score is?

  • Credit Scores as Low as 500! Several loan programs for borrowers with credit scores as low as 500 may be available. Ask your loan consultant for details. Pre-Qualify Below.

  • Lots of Debt & a Low Credit Score? Financing loan programs may be available that allow for lower credit scores and higher debt ratios. These programs may allow you to qualify for a more expensive home or avoid paying off existing debts to qualify. Pre-Qualify Below.

  • Collections, Charge-Offs, Late Payments: This program allows high LTV financing even with existing charge-offs, collections or late payments. If your credit score is above 600, you've had at least one tradeline for over a year (usually a car payment, rent or other verifiable credit) and you can qualify under normal guidelines, this program may be right for you! Ask your loan consultant for details and restrictions. Pre-Qualify Below.

  • Seller Carrybacks: We have several programs available that allow you to obtain a loan for 80-90% and have the seller carry back the remainder up to 100%, even with poor credit, charge offs or collections. Ask your loan consultant for details and restrictions. Pre-Qualify Below.

If you are unable to qualify for a new loan, negotiating a loan modification may work depending on your existing loan and current situation. Read more on loan modifications >


Other restrictions may apply on all programs. Terms and guidelines are subject to change without notice. Ask your loan consultant about our special loan programs for borrowers with past bankruptcies, poor credit, collections or late payments.

Home Loans, Mortgage Financing