Get a Subprime Mortgage Loan in Seal Beach California
If you reside in Seal Beach California and you’re having trouble getting approved for a subprime mortgage, we may have the perfect solution for you. On this page we’ve provided as much information possible for every city in Orange County – all to do with getting approved for a subprime home loan.
We have endeavored to include maps and lists for all local Seal Beach-based banks and local Orange County credit unions, hard money lenders, and subprime lenders licensed to provide loans to people with low credit scores in your local area.
If you live in Seal Beach CA and know of any new subprime mortgage lenders, you believe we should add to this page please contact us with their location and info. We also provide national companies licensed to give subprime mortgages is most States.
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FAQ: Subprime Mortgage Loans in Seal Beach CA
1.) Are subprime mortgages still available in the USA?
Yes. Even after the subprime mortgage crash of 2008, adjustable rate, interest only, and fixed rate mortgages for higher risk homeowners never stopped being approved. You can use maps and links on this page to apply with Seal Beach-based lenders who will consider subprime mortgage contracts.
2.) Do you have a Local Subprime office in Seal Beach, California?
No. LocalSubPrime.com is a nationwide lender-borrower conduit service, and does not have consumer office locations in Seal Beach, or anywhere in Orange County. We are in the process of merging with the company WeFindLenders.com and will be relocating our offices to SoCal.
3.) Who can qualify for a subprime mortgage loan?
Most subprime mortgage loans are approved to homeowners who have credit scores (FICO scores) below 600. However, this number can vary depending on your unique financial situation. You will have to ask your local Seal Beach-based lenders what their criteria is for approval, and what their bank or credit union branch considers to be an acceptable DTI (debt to income ratio). Use the maps and/or links provided on this page to enquire further.
4.) What is the average interest rate for a subprime mortgage loan?
We have subprime mortgage rate estimator tool JUST FOR THAT. This tool uses your credit score and zip code to give you an estimate of what your true APR would be for a subprime mortgage in the Seal Beach CA area. We us information from borrower survey answers provided by other subprime borrowers with similar credit scores to yours, and who live in Orange County.
5.) Which banks or credit unions in Seal Beach, California approve subprime mortgage loans?
We provide maps above pinning the banks and credit unions who have provided Seal Beach California homeowners with subprime mortgage loans in the recent past.
6.) Will applying for a subprime mortgage loan on your website hurt my credit rating?
No. Your credit score (FICO score) will not be further damaged by applying here @ LocalSubprime.com, because we don’t carry out a “pull of your credit history”. Only banks and credit unions do “soft pull” or “hard pull” credit history checks.
7.) Can I get approved for a subprime mortgage loan if I recently claimed bankruptcy?
If you have a steady income and the lender considers your DTI to be manageable, you may be approved for a subprime mortgage. This all depends on the national lender’s policies, or your Seal Beach-based bank or credit union’s policies.
8.) What will my monthly mortgage payments be?
You can estimate your monthly payments by using our payment schedule estimator here. This handy tool gives you an instant estimate of your payments over time, taking into account amortization. Note however, your local Seal Beach area banks and/or credit unions will give you their more exact estimate based on your unique financial situation, credit score, assets, income, etc.
October 04, 2022 weekly financial tip.
The word “budget” can be grating for a lot of folks. It can give some people the feeling of being restricted – a feeling of being trapped into a life of no fun and no spontaneity. So why not call your budget a “cash plan”, or maybe a “spending plan”. How about a FREEDOM PLAN! How does that sound! Because that’s really what it is in the long run. Once your smart budgeting plans pay off and you end up debt free, the natural next step is saving, investing, and enjoying the comfort of knowing your living within your means. Some day you could have zero debt on your home, your vehicles, your credit cards, your line of credit, etc. You could be earning enough to be a vacation every year, and still not be in debt. You could be sitting on a beach in the Bahamas or Puerto Vallarta, looking at your bank accounts on your device, relishing in the fact that you won’t be going home to any debt. How does that sound?
How Does That Sound?
How does that sound?
Coming in 2022
3745 Harrison Avenue
USA - 59701
P: (406) 952 9129
35400 Bob Hope Dr.
Rancho Mirage, CA
USA - 92270
P: (406) 952 9129
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