When the Bank Says No, We Find a Way
A low credit score, past bankruptcy, or previous mortgage decline doesn’t have to close the door on homeownership. Traditional banks often have rigid lending criteria that don’t account for your full financial picture. At Iwillgetumortgage, we work with alternative and private lenders who specialize in bad credit mortgage solutions, giving you a real path forward — even when conventional lending says no.
Bad Credit Doesn’t Mean No Mortgage
We specialize in finding mortgage solutions for clients that banks turn away — including bad credit, bankruptcy, and past declines.
How It Works
Confidential Assessment
We review your credit history, income, and situation with zero judgment
Lender Matching
We connect you with lenders who work with bad credit borrowers
Application Support
We structure your application to maximize approval chances
Approval & Path Forward
Get approved now, with guidance to improve your terms over time
Why Choose Us for Bad Credit Solutions
Options beyond traditional banks
We focus on your path forward, not your past
Advice on improving your credit for better future terms
Solutions for bankruptcy, consumer proposals, and low credit scores
Understand your options without the stress of a bank rejection
Frequently Asked Questions
Yes. Many lenders will consider borrowers who have been discharged from bankruptcy, especially with a strong down payment or co-signer.
Alternative and private lenders often work with credit scores that traditional banks won’t approve — every situation is assessed individually.
Typically, yes. Bad credit mortgages carry higher rates to offset lender risk, but they’re often a stepping stone to better terms once your credit improves.
Down payment requirements are often higher for bad credit mortgages, typically starting around 20%, depending on the lender.