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Subprime Mortgage Loans - Debt Consoliation Calc

Bad Credit Mortgages
  • Let ERATE help you consolidate your debt and reduce your monthly payments.
  • ERATE can help even if you have a sub-prime credit score.  You don’t need great credit to get a loan we can likely match you with a lender even if you have a flawed credit history.
  • ERATE provides access to a network of lenders who can help you get the best rates, terms and fees available given your personal credit profile.  Lenders across the country are accessible as you search for the best rate given your credit history.
  • The sub-prime loan market has been featured by the news media almost daily recently and these loans have been given much negative press however there are still lenders who can help those who are a good lending risk in spite of having a flawed credit history.
  • Good loan options are still available.  Loans with the potential for negative amortization seldom result in a positive outcome for borrowers.  Interest only loans may be preferable but can still be risky, particularly for borrowers who put little or nothing towards a down payment and therefore have either limited or no equity in their home.
  • With property values leveling off and declining in many areas of the country currently, it is essential for sub-prime borrowers to make practical long term loan decisions that are not dependent upon property values increasing at the same pace they have previously. 

Subprime (less than perfect credit) Mortgage Rates
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Debt Consolidation Calculator


Can I Lower my monthly payments? Find out if you can save money by consolidating your debts by using the equity in your home. Enter all your debts below. If you do not know the rate on your credit cards the program will assume that the rate is 18%.
Type of Credit Amount Owed Monthly Payment Rate
$ $ %
$ $ %
$ $ %
$ $ %
$ $ %
$ $ %
$ $ %
$ $ %
$ $ %
$ $ %
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$ $ %
Enter Information about your expected new loan.
You may change any of the default values.
Rate: % Term: (years)
Estimated Closing Costs:$ Federal + State Tax Rate: %
Do you need cash back? Enter Amount: $


Bad Credit Mortgages
No Closing Cost Loan
Subprime Mortgage Info for borrowers with bad credit
Credit Score Information for Subprime Mortgage
Credit Grade and Acronyms for Subprime Mortgage
Negotiating Collection Items found on Credit Report for Subprime Mortgage
Collection Information for Subprime Mortgage
How Bad Credit Can Affect Your Mortgage

FICO Score: Credit Scoring Basics

You and Your Credit; Avoid Credit Scams!

Simple Ways to Help Your Credit Score

Are You in a Debt Crisis? Diagnosis & Solutions

Secured Credit Card Shopping Tips

Debt: The Good, Bad and the Ugly


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