Credit Situations

Some of the most common reasons for being refused a mortgage loan include:

• How much you earn and where it comes from.
• You are self employed.
• You are paid by commission, earn lots of overtime, work on contract or you get tax credits.
• You may have been employed or self employed for a short period of time.
• You may want to borrow more than the lenders standard allowance.
• It may be that you have missed payments on current loans or credit cards or have defaults registered against you.
• It may be that you have what some people call bad credit, adverse credit or poor credit.
• Or it may be as simple as not being on the voters roll.

It is estimated that seventy percent of all people who apply for a mortgage have some kind of credit issue. Get a better interest rate, cash out, switch to a fixed or adjustable rate, and find more favorable loan terms than you may currently have.

Our loan specialists have access to thousands of different home loan programs and home loan approval criteria to provide you with the right loan program that best suits your financial needs. Reliant Mortgage can help achieve your financial goals with our comprehensive programs and expertise from our loan specialists. We will review your credit situation and give you a series of alternatives with absolutely no cost and no obligation. The only way you could lose is by not taking action.