If you have imperfect credit, bankruptcies, slow paying, no credit I have an array of programs to fit your need. I am are able to say YES when others have turn you down.

If you have filed bankruptcy there are a few things to consider before you apply for a loan or mortgage. Have you been late on any of you bills by more than 30 days and if so is it just a one time occurrence or are you repeating the same pattern. This is something that all lenders look at. If you are more than 120 days late on any payments most lenders can not help you until it is brought up to date. The longer you wait to get a loan after your bankruptcy the better your chances are of being approved. I can help you if you can answer yes to these questions in most cases:

 I have not been late on any bills since my bankruptcy?

Are you discharged from your bankruptcy with court papers showing your discharge?

Is your credit score 5.20 or better?

If you have not been late on any of your bills since your bankruptcy and have been discharged from your bankruptcy one day or more we may be able to help you. PLEASE remember, that the longer you wait after a bankruptcy the better your chances are of getting approve. The best time to wait is 3 years before applying for any kind of loan. Even though you can get approved one day out of bankruptcy the terms and interest my not be as favorable. There also may be some prepayment penalties.     

Key Benefits

•  Potential for reestablishing credit if you pay your mortgage on time.
•  When used for debt consolidation, you may be able to reduce your monthly debt payment.                                                                                           

Disadvantages

      1. Higher Rates

      2. Harder to get long term fixed loans.

      3. Loans may have prepayment penalties

      4. Terms may not be as favorable.

 I can Save you money! Call me today for a free quote......I guaranteed I will save you MONEY!

  Send mail to www@williamknight.net with questions or comments about this web site.
Copyright © 2003 William J. Knight/Loan Officer                 
Last modified: 08/02/03                                  

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