Robert Bussell
 Office: (916) 781-7931
 Cell: (916) 240-0426
 Fax: (916) 781-8082
(888) 225-7158
Loans@RobertBussell.com

WE BELIEVE THAT YOU DESERVE A SECOND CHANCE!

Although you may have credit problems, this may not preclude you from owning or refinancing your home. As a matter of fact, a significant number of the mortgages we originate are for clients who have or have had credit problems.

The world of mortgage lending has changed significantly with the advent of rapidly improving technology. This has opened new doors for borrowers and a new classification of mortgage investors has emerged. This has been a blessing to an enormous number of borrowers; borrowers that lenders traditionally overlooked in the past.

This new lineage of lender understands that credit problems such as late payments, current outstanding liabilities or even bankruptcies may be a result of a variety of causes beyond your control and not a reflection upon your willingness to make timely monthly mortgage payments.

As a mortgage brokerage firm, we have organized a pool of investors that serve only those with impaired credit, opening up new opportunities for purchasing or refinancing homes.

Non-conforming credit programs are often considered on a case by case basis. Therefore; the fundamental loan programs listed on other pages of our website may or may not be applicable to your situation. Please contact our office to discuss you circumstances for an individualized evaluation. Complete the loan application on the "Apply on Line" page and forward it to our office via e-mail or call and a loan officer will be more than happy to assist you and pre-qualify you for your new home loan.

Zero Down:
Yes! It is possible to purchase a home without a down payment -- even for those that have impaired credit.

Limited Closing Costs:
If fees, closing costs and down payment are preventing you from entry into the home ownership market, ask about our "Limited Costs" loans. Combined with a Zero Down loan this exciting combination may place you into a new home with just a few hundred dollars.

Interest Only Loans:
For the borrower with moderate price sensitivity who seeks the stability of a fixed payment during the initial period of the loan term. Borrowers looking for cash-flow management options, which allow them to optimize their discretionary cash flow and take advantage of other short-term investment opportunities.

Portfolio Loans:
We have investors that prefer to hold their credit challenged loans in their own lending portfolio, rather than selling them on the secondary market. Typically these loans allow for more liberal underwriting guidelines.

A – D Grade:
This is the measure that loan applications are graded. An "A" grade would be less risky than a "D" loan; therefore, the "A" grade loan will have a lower interest rate.