Get a Subprime Mortgage Loan in Thousand Oaks California
If you reside in Thousand Oaks 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 Ventura County – all to do with getting approved for a subprime home loan.
We have endeavored to include maps and lists for all local Thousand Oaks-based banks and local Ventura 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 Thousand Oaks 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 Thousand Oaks 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 Thousand Oaks-based lenders who will consider subprime mortgage contracts.
2.) Do you have a Local Subprime office in Thousand Oaks, California?
No. LocalSubPrime.com is a nationwide lender-borrower conduit service, and does not have consumer office locations in Thousand Oaks, or anywhere in Ventura 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 Thousand Oaks-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 Thousand Oaks CA area. We us information from borrower survey answers provided by other subprime borrowers with similar credit scores to yours, and who live in Ventura County.
5.) Which banks or credit unions in Thousand Oaks, California approve subprime mortgage loans?
We provide maps above pinning the banks and credit unions who have provided Thousand Oaks 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 Thousand Oaks-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 Thousand Oaks area banks and/or credit unions will give you their more exact estimate based on your unique financial situation, credit score, assets, income, etc.
September 29, 2022 weekly financial tip.
The most important thing you can do for your financial situation is to stop now and then to reflect. Take a good look at all your spending by browsing through your bank account statements and credit card statements. Being aware is the key to financial health. That’s it for today!
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3745 Harrison Avenue
USA - 59701
P: (406) 952 9129
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