What if I have very bad or no credit?

While we can work with almost any credit profile, the real challenge – if this is your situation – is that we can only be the “bank” for so long before you have to arrange your own mortgage. We call this “taking us out” and literally, it’s where we part company with you successfully taking title to your own property. So there must be a reasonable probability that you can “take us out”. As part of our screening process, we will pull and examine an applicant’s credit report and help you follow a credit (re)establishment program.