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Frequently Asked Questions

 

Finally, a mortgage company that understands bad credit! With over 100 different programs, let the experts at Thornton Mortgage, Inc. find the right mortgage financing for you!

 

Q: I HAVE BEEN TURNED DOWN BY ANOTHER MORTGAGE COMPANY DUE TO MY BAD CREDIT. CAN YOU STILL HELP ME?

A: YES! WE SPECIALIZE IN HOME MORTGAGES, HOME LOANS AND REFINANCES WITH BAD CREDIT! ALL MORTGAGE LENDERS HAVE DIFFERENT CRITERIA THEY USE FOR THEIR APPROVAL PROCESS. WE HAVE ALIGNED OURSELVES WITH OVER 100 DIFFERENT MORTGAGE LENDERS. THEREFORE, WE HAVE MANY MORTGAGE PROGRAMS AND PRODUCTS TO SELECT FROM. THIS WILL ENABLE US TO FIT YOU WITH THE RIGHT LENDER, THUS GREATLY IMPROVING THE CHANCES FOR YOU TO GET APPROVED! BAD CREDIT DOES NOT MEAN THERE IS NOT A MORTGAGE FOR YOU!

 

Q: I RECENTLY WENT THROUGH A DIVORCE AND NEED TO BUY OUT MY EX-SPOUSE. CAN YOU HELP ME?

A: YES! EVEN IF YOUR CREDIT SLIPPED DURING THE DIVORCE WE CAN REFINANCE YOUR EXISTING MORTGAGE AND PAY OFF YOUR EX-SPOUSE. IF YOU NEED TO PURCHASE A NEW HOME DUE TO A DIVORCE WE CAN ALSO HELP YOU WITH A PURCHASE MONEY MORTGAGE.

 

Q: I RECENTLY FILED BANKRUPTCY. CAN I STILL GET A MORTGAGE OR REFINANCE? HOW LONG DO I NEED TO WAIT?

A: YES! WE HAVE MORTGAGE PROGRAMS AND REFINANCES AVAILABLE 1 DAY AFTER YOUR BANKRUPTCY IS DISCHARGED. IF YOU FILED A CHAPTER 13 AND STILL ARE MAKING PAYMENTS WE CAN PAY OFF THE BANKRUPTCY WITH A NEW MORTGAGE OR REFINANCE.

 

Q: I HAVE A TAX LIEN WITH THE IRS. CAN YOU STILL GET A MORTGAGE OR REFINANCE?

A: YES! WE WILL PAY OFF THE IRS WITH THE LOAN PROCEEDS FROM YOUR MORTGAGE REFINANCE. IN SOME CASES, THE IRS WILL NEGOTIATE A SETTLEMENT WITH YOU, THEREFORE LOWERING THE AMOUNT YOU NEED TO PAY THEM. IN OTHER CASES, THE IRS WILL SUBORDINATE AND THUS ALLOWING US TO PROCEED WITH YOUR MORTGAGE AND REFINANCES. WE WILL WORK WITH YOU ON AN INDIVIDUAL BASIS TO SOLVE THESE ISSUES.

 

Q: I AM OVER EXTENDED AND HAVE TOO MANY CREDIT CARDS. I HAVE NOT BEEN ABLE TO KEEP UP WITH ALL OF MY MONTHLY PAYMENTS. CAN YOU HELP ME?

A: YES! A REFINANCE MORTGAGE LOAN WILL ALLOW US TO CONSOLIDATE YOUR MONTHLY BILLS INTO ONE EASY AFFORDABLE PAYMENT. DEPENDING ON YOUR SITUATION, THIS COULD SAVE YOU HUNDREDS OF DOLLARS PER MONTH!

 

Q: I AM SELF-EMPLOYED; IT IS DIFFICULT FOR ME TO VERIFY MY INCOME. CAN YOU HELP ME?

A: YES! WE HAVE SPECIAL MORTGAGE AND REFINANCE PROGRAMS AVAILABLE FOR THE SELF-EMPLOYED. THERE ARE MANY OPTIONS. THESE INCLUDE "STATED INCOME" MORTGAGE PROGRAMS, "LIMITED INCOME" MORTGAGE PROGRAMS AND "BANK STATEMENT" MORTGAGE PROGRAMS. WE WILL WORK WITH YOU TO FIND THE RIGHT MORTGAGE PROGRAM FOR YOU!

 

Q: MY HOME IS in FORECLOSURE. CAN YOU HELP ME SAVE MY HOME?

A: YES! WE HAVE MORTGAGE REFINANCES AVAILABLE FOR FORECLOSURES. WHETHER YOU HAVE HAD A FORECLOSURE IN THE PAST OR CURRENTLY ARE IN FORECLOSURE, THERE ARE MORTGAGE PROGRAMS AVAILABLE! THIS USUALLY REQUIRES YOU TO HAVE EQUITY IN YOUR HOME.

 

Q: I HAVE HAD MEDICAL PROBLEMS AND THEREFORE HAVE OUTSTANDING MEDICAL BILLS. CAN YOU HELP?

A: YES! WE CAN DO A MORTGAGE REFINANCE TO PAY OFF ALL OF THOSE MEDICAL BILLS. UNEXPECTED MEDICAL PROBLEMS CAN OFTEN LEAD TO MEDICAL BILLS THAT CAN BE DIFFICULT TO PAY. WE CAN PAY THESE OFF WITH A MORTGAGE REFINANCE.

 

Q: I HAVE COLLECTION ACCOUNTS AND JUDGMENTS. CAN YOU HELP ME?

A: YES! A MORTGAGE REFINANCE CAN PAY THESE ACCOUNTS OFF. SOMETIMES YOU CAN EVEN NEGOTIATE TO LOWER THE PAY OFF AMOUNTS. WE HAVE SPECIAL MORTGAGE PROGRAMS AND REFINANCES AVAILABLE TO HANDLE COLLECTION ACCOUNTS, JUDGMENT AND LIENS.

 

Q: I HAVE BEEN THROUGH CONSUMER CREDIT COUNSELING. CAN YOU HELP ME?

YES! OFTEN TIMES CONSUMER CREDIT COUNSELING IS CONSIDERED A NEGATIVE MARK. WE UNDERSTAND THE NEED FOR CONSUMER CREDIT COUNSELING AND HAVE SPECIAL MORTGAGE PROGRAMS AND REFINANCES AVAILABLE.

 

There are many reasons for bad credit. Loss of job, medical reasons, divorce and becoming over-extended are just a few. Let the experts at Thornton Mortgage, Inc. help you achieve your goals and find the right mortgage, home loan or refinance for you!

 

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