Bad credit mortgages are everywhere – the question is, how to find the right one for you? There are many loan types available, most of them are ARM type loans, but you can also find longer term fixed rate loans, like 40 or 50 year fixed rate programs. You may also be able to find loans that require less paperwork like Stated Income programs. If you don’t have a down payment you may consider an 80/20 loan where you get both a first and second mortgage and have to have very little money to close on the deal. Be sure to compare all of your options before making a final decision – different brokers may have different programs, some of which may not be right for you and it pays to shop around.

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