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About Low Score Credit Loans


Low score credit mortgages may sound like a negative and scary prospect, but good can come from them. Not only can you get the home you've always wanted, but a non-traditional mortgage could be your ticket to repairing your credit. The bottom line: bad credit is not an insurmountable barrier to home ownership.


Low credit scores can be traced to a number of sources. Late payments, County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs), and bankruptcies all impact your credit score negatively. Once your credit file includes these types of records, getting a mortgage becomes more difficult but still remains very possible.


A low score credit mortgage loan is specifically designed for those who have these kinds of problems. Different lenders have different qualifying requirements, and most determine your interest rate based on your credit history. For example, someone with a few late payments should qualify for a better interest rate than someone who has a bankruptcy on their record.


Regardless of your personal situation, do not let bad credit stop you from getting the mortgage you need. Apply now and begin the process of repairing your credit and owning your own home.  Call 630-854-3459 or email

Contact Info

Patty Harrison

ph. 630-854-3459
fx. 630-904-1010
Cell: 630-854-3459
Smart Mortgage - 4003 Plainfield/Naperville Rd. #201 , Naperville, IL 60564
NMLS #230234/Company #222269 / Illinois Residential License #4870