Bad Credit Home Loans in New York & Pennsylvania: Buy or Refi with Low Scores!

How to buy your first home and get a home loan with a bad credit in New York & Pennsylvania? We have access to the industry's best bargains. This includes our access to many different subprime mortgage lenders who are willing to work with homebuyers who have low FICO scores. For first-time homebuyers with low or moderate income the NYS Mortgage Agency provides help.

At Artisan we understand that there is no such thing as a Perfect Borrower. If you have had some credit problems and are looking for the Perfect Loan - You've come to the right place.

• Can't Verify Your Income
• Problem Credit History
• No Equity
• Too Many Bills

Our ability to offer a wide variety of loans designed especially for each individual borrower has given our clients unprecedented financial freedom.

Mortgage Options

Some of the good financing options for a mortgage with a bad credit in New York & Pennsylvania and no money down are: the Federal Housing Administration FHA loans for qualified borrowers; VA home loans backed by the Department of Veterans’ Affairs for eligible veterans and active military personnel; and U.S. Department of Agriculture USDA loans for low income homebuyers and properties in rural areas.

The experienced team at Artisan will work diligently to ensure your mortgage moves quickly to closing. They take pride in their high level of communication and extensive portfolio of loan products.

Our helpful financial calculators act as a guide to help answer some of the questions you may have about mortgage financing. If you have questions about home financing, ask one of our expert consultants by choosing a name from the menu above.

The current real estate and mortgage climates has left many low-income borrowers with a bad credit in New York & Pennsylvania worried about how to afford a mortgage whether they’re in Long Island, Queens, Bronx, Staten Island, Manhattan, NY.

Testimonials

Unlike most other mortgage companies that offer home loans for people with bad credit in New York & Pennsylvania, we have a personal interest in your success. That's why you will observe:

• Fast closing
• No up-front costs to you
• A higher level of customer service 
• Adaptable guidelines

Credit Repair

Be leery of bigger-then-life credit repair companies who promise to instantly clean up your credit. Many such companies do nothing to improve your credit. The truth is: everything a credit repair agency can do for you, we help you do for yourself.

For the record, no one can legally remove accurate and timely dings from your credit report. In addition, the law already allows you to request a reinvestigation of disputed information at no charge. However, there are some steps we may be able to help you take that will legitimately, legally and quickly raise your credit score!

Let our expertise go to work for you! We'll show you where you stand, and how to correct any potential errors or blemishes.

All of us are grateful for the opportunity you give us to serve your financial needs. Let us show you how our products, programs and services are unique and how they can make your financial future a little easier and brighter.

First-time Buyer Loan Programs

We have a broad range of mortgage products that can provide the most favorable deal for first time home buyers with bad credit in New York and Pennsylvania, and no down payment including but not limited to Buffalo, Rochester, Syracuse, Philadelphia and Pittsburgh.

We have a strong personal and financial commitment to this community, and we look forward to serving the needs of all our customers for many years to come.

How quickly will you close my loan?

To determine the current turn time for mortgage processing, please call us and speak with a loan officer today. It is important to consider that when purchasing a home or refinancing an existing mortgage, there are outside factors that will impact the processing time of each mortgage loan, i.e. contract negotiations, property appraisals, demand payoffs, etc.

Most people experience more than one debt. You may have high interest credit cards, loans and mortgages. To liquidate one debt you may need to take over from someone else, producing yet another balance owed. The resolution to this problem is debt consolidation.

If you possess a home, you can get a equity loan. With this program you will have to consolidate each of your high interest credit cards, as well as your consumer debts, into one affordable and low-cost monthly payment with low interest.