Bad Credit? We Specialize in Getting You Approved
Don't let past credit mistakes keep you from homeownership. 42% of Americans have subprime credit - you're definitely not alone. Aditya Choksi specializes in bad credit mortgage loans for California borrowers with credit scores as low as 580.
Specialized Programs: We work with borrowers with credit scores 580-650. Late payments, collections, and credit repair in progress are all workable!
Check Your Approval Odds
Free consultation - no impact to your credit score
We Work With All Credit Situations
Other lenders see problems - we see people who deserve a second chance. Here are the credit situations we regularly approve for home loans.
Recent Late Payments
30, 60, or 90-day late mortgage or credit card payments in the past 12 months
Collections Accounts
Unpaid collections, charge-offs, or settled accounts affecting your score
Credit Score 580-650
Fair credit scores that other lenders consider too risky
Limited Credit History
Thin credit files or recent credit rebuilding after financial hardship
High Debt-to-Income
Debt ratios up to 50% with strong compensating factors
Recent Credit Repair
Currently working on improving credit but need to buy now
The Truth About Bad Credit Mortgages
Many borrowers think they need perfect credit to buy a home. The reality? We've approved borrowers with recent bankruptcies, foreclosures, short sales, and credit scores in the 500s. Your situation is likely more workable than you think.
Bad Credit Mortgage Programs
Choose from specialized loan programs designed for borrowers with credit challenges.
Non-QM Bad Credit
FHA with Overlays
Subprime Conventional
Real Stories of Credit Recovery
These California borrowers thought homeownership was impossible. Here's how we made it happen.
Recent Divorce, 590 Credit Score
Challenge:
Late payments during divorce proceedings, collections from medical bills
Solution:
Non-QM loan with bank statements, 15% down payment
Outcome:
Approved for $450K home purchase, now rebuilding credit successfully
Business Owner, 605 Credit Score
Challenge:
Business credit issues affected personal score, multiple late payments
Solution:
Asset-based loan using business deposits and personal savings
Outcome:
Closed on investment property, using rental income to improve credit
First-Time Buyer, 580 Credit Score
Challenge:
Student loan default, limited credit history, collections accounts
Solution:
FHA loan with manual underwriting and credit explanation letter
Outcome:
3.5% down payment, qualified for down payment assistance program
Your Story Could Be Next
Every month, we help dozens of California borrowers with bad credit achieve homeownership. Past credit mistakes don't define your future - let's write your success story together.
Start Your Success StoryCredit Recovery Roadmap
Get approved now, improve your credit while you own your home. Here's your step-by-step guide.
Get Pre-Approved First
Secure your home loan approval while working on credit improvement
Address Collections
Negotiate pay-for-delete agreements or verify account accuracy
Reduce Credit Utilization
Pay down credit card balances to below 30% of limits
Monitor Credit Reports
Dispute inaccuracies and track score improvements
Free Credit Consultation Included
Every bad credit mortgage approval includes a personalized credit improvement plan. We'll show you exactly how to rebuild your credit score while you own your new home.
Schedule Credit ConsultationReady to Put Bad Credit Behind You?
Don't wait for perfect credit - it doesn't exist! Work with a specialist who understands bad credit situations and has access to specialized mortgage programs.