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Imperfect Credit Picture  
 
    Imperfect Credit
If your credit is less than perfect, we would love to help you buy a home, refinance your current home to reduce your monthly payments or clean up your credit. If you would like more information, select the Contact Us Menu option to the left.

It is important to realize that if you are credit challenged, you are not alone. A recent study by the Mortgage Bankers Association of America revealed some startling facts: of 100 people who applied for a standard 30 year fixed rate mortgage through traditional lending avenues (banks, savings and loans, credit unions, etc.), less than

40% qualified for that loan. That leaves 60%+ who were forced to seek alternative real estate financing solutions.

Regardless of your credit rating, contact us now. We will do everything in our power to support you.

Credit issues that can prevent you from obtaining a traditional lending profile include:

Late Payments on Accounts (Home loans, car loans, credit cards, etc.)

- Collections
- Charge-Offs
- Judgments (also called Abstracts of Judgment)
- Bankruptcy / Consumer Credit Counseling
- Foreclosure

These items, unless paid off and/or eliminated, will not go away, and will continue to prevent you from realizing your best financial future.

Contact us today, we are here to help you!
 
    420 31st St. #B5   |  Newport Beach, CA 92663  |  949.645.6253  |  nick@nalfinancial.com  |