Saddest blind little angie surrendered at the shelter, formally place at euthanized list

If you have bad credit then you are probably aware of how difficult it can be to get a loan. Due to the current economic climate, it is very common for people to have a poor credit rating. This is due to the fact that many people have been forced into bankruptcy due to tough economic times. If you are looking to buy a home, but have been affected with bad credit, you should consider different options for getting mortgage loans for poor credit.

The lower your credit score is the more work you have to do to get a home mortgage loan. The first thing you should start doing is saving your money. If you can come up with a down payment that is around 10% of your home loan, then you should be able to get a loan approved. The higher down payment decreases the risk that lenders have to bear for your home loan. The more money you can save the better chance you will have of getting approval for a down payment.

Another step you can take to get a bad credit home mortgage loan is to look for a cosigner. Getting a cosigner with a good credit rating is good way to get approval from banks. When cosigners sign the contract, they are guaranteeing lenders that if you default on your loan they will step in to cover it. Having a cosigner diversifies the risk that lenders take when giving out a bad credit loan.

You should go online if you are looking for mortgage loans for poor credit. Doing a complete search for the different lenders available will give you different options when it comes to your loan. Get quotes from different lenders and find a lender that offers a good interest rate on your loan.

If you have a bad credit rating you can apply for a Home Mortgage Loan online. Look up different lenders who give out Bad Credit Mortgage Loans and you will be able to get your loan approved.


Meet sweet little Angie #A1528198 a 6 year old terrier who’s having a hard time at the shelter, ugh it can’t get worse than being blind in a loud unfamiliar place where she wonders where her family is. 💔

Angie stands all day in the front of her kennel crying out for help 😔 she feels a little better outside and even though she bumps into things that doesn’t stop her from exploring her surroundings.

She can still have an excellent quality of life and be a loving companion. All she needs is a loving family that can provide her a safe environment. Please let’s help Angie 🙏 the shelter is no place for a blind doggie.

Miami Dade Animal Services
3599 NW 79th Ave
Doral , Fl 33122

STATUS : - read comment for update from crossposter
More than half of all borrowers use a broker to arrange their mortgage. But how do you go about finding one? Should you be paying any fees for their services and how do they work?

#1 There are literally thousands of mortgage brokers in the UK - well over 10,000! These mortgage brokers will range from large companies with nationwide coverage through to the small one-man bands covering their local area.

These different companies may use the full range of advertising media to attract your attention such as the internet, newspapers, magazines, radio, television and yellow pages.

Should you prefer to use a local broker, you can get a shortlist of three financial advisers in your area from Independent Financial Promotions (IFAP) You can also look online at the numerous directories of mortgage brokers online to find one that best suits you.

#2 Whenever you have dealings with a mortgage broker, ensure that you find out whether they are authorised by the Financial Services Authority, either directly or as an appointed representative/principle of another company. Regulated brokers are listed on the FSA website:

#3 Many mortgage brokers will have access to literally thousands of different lenders and products - this can be hugely beneficial when shopping around. It should be the aim of all mortgage brokers to source the market in order to achieve the best deal for you. Beware however, not every mortgage broker will be as ethical as the next - make sure you do your research!

If you wish to find out which lenders a mortgage broker has access to on their panel, you simply have to ask them. Brokers will either charge you a flat fee for their services, or charge you nothing whilst receiving a commission from the lender, or of course, a combination of the both. They are legally bound to disclose details of the commission they receive including the figure if this is more than 250.00.

#4 Mortgage advice is regulated by the Financial Services Authority. Individuals who give mortgage advice must be professionally qualified.

#5 If you are looking for advice on other financial products, for example on pensions, investments and insurance, be aware that these areas are also regulated by the FSA - your mortgage adviser may not be qualified to give advice on these areas. Unlike mortgages, advisers dealing in investment products have to be either tied to one provider or an independent financial adviser who can source the whole of market.

#6 The mortgage industry is packed full of confusing words that you may never heard of before - Do not be afraid to ask any questions. If you are not completely sure what you are getting into or signing up to, it is vitally important that make sure every detail is explained fully by your broker or lender. A mortgage is a huge commitment so make sure that you know exactly what is entailed.

#7 Using the services of a mortgage broker can offer many different benefits to the borrower. If your mortgage requirements are specialised, a broker can sometimes access specialist lenders that may not be directly available to the public. Having a damaged credit history can mean that can that applying for a mortgage can be a little more troublesome via the conventional routes.

#8 As a first time buyer the prospect of using a mortgage broker can be very appealing - even if your needs are very simple. Buying a home and arranging a mortgage for the first time can be a daunting prospect and having a point of contact available can make the process run more smoothly.

#9 It is important to be as honest and accurate as possible when applying for a mortgage. In today's market of high house prices, it can be very tempting to inflate your income or downplay your debts and other financial commitments. It is in fact a fraudulent offence to lie about your income on a mortgage application form.

#10 If you have a problem with your broker or have reason for complaint, it is necessary for both yourself and the broker involved to meet a satisfactory conclusion. Once this avenue has been exhausted, you may take your complaint to the Financial Ombudsman service. It may be possible to claim compensation from the broker in question via the Ombudsman service.

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