Fill out your application or inquiry as accurately as possible – Inflating your income on your application or inquiry form, to be higher than you know you can verify your income to be, will only delay process of getting pre-approved. The broker will work fastest for you if he/she is working with exact information he/she needs to be able to verify. That’s best way to get approved and through pre-approval process smoothly.

Be persistent – This is key when seeking a mortgage loan pre-approval with poor credit, be optimistic. Look for creative ways to get financing and contact as many brokers as possible. There is one or more out there that can help you. The key is to find them.

Start house hunting - Sometimes key to getting into a house is finding right one and a seller that is flexible enough to help you do some creative financing work. For example: seller carrying back a small percentage of loan, seller paying your closing costs or you being able to purchase house for significantly lower than market value.

Some of these companies are definitely worth small monthly fee, and can save you much more than they charge. But, some of these companies are not legitimate and can take your monthly payments and keep them for a month or more before they make your payments (collecting interest on money all while), causing you to accrue late fees and possibly collections. These companies can actually cost you money and make your situation worse.

Be careful when searching for debt consolidation companies to work with. Make sure they are legitimate, long standing companies before you sign on dotted line. To see our list of recommended debt consolidation lenders click on link below.

Consolidating your debt can provide great relief and breathing room when it comes time to pay your bills. Sometimes, when you are up to hilt in debt, it can be so overwhelming just keeping up with your bills that it can be difficult to think about ways to start paying debt down.