Once you have used some of these techniques to boost your credit score, be persistent about contacting and applying with many different bad credit mortgage lenders. Many bad credit mortgage loan brokers claim that if they can’t do loan, then no one can. That is simply not true. All mortgage loan brokers have connections with many different lenders and loan programs. What may be impossible with one, can be very possible with another broker. If your score is around 600 or slightly higher, you will probably have a pre-payment penalty. Pretty much all bad credit mortgage loans will come with a pre-payment penalty. Talk to your lender about details of pre-payment penalty. Find out how long penalty will last and exactly how much money penalty is. How much is fine for pre-payment on loan? This is an important factor to consider when comparing lenders.

To get a approved for a bad credit mortgage loan, be persistent, work on your credit score as much as you can to get it above that 600 mark and apply with or contact many lenders to compare mortgage loan programs.

Visit here to see a list of our recommended lenders for Bad Credit Mortgage Loans.

•Use a firewall program, especially if you use a high-speed Internet connection that leaves your computer connected to Internet 24 hours a day. The firewall program will allow you to stop uninvited access to your computer. Without it, hackers can take over your computer, access personal information stored on it, or use it to commit other crimes.

•Use a secure browser - software that encrypts or scrambles information you send over Internet -to guard your online transactions. When submitting information, look for "lock" icon on browser's status bar to be sure your information is secure during transmission.

•Try not to store financial information on your laptop unless absolutely necessary. If you do, use a strong password a combination of letters (upper and lower case), numbers and symbols. Don't use an automatic log-in feature that saves your user name and password, and always log off when you're finished. That way, if your laptop is stolen, it's harder for a thief to access your personal information.

•Before you dispose of a computer, delete all personal information it stored. Deleting files using keyboard or mouse commands or reformatting your hard drive may not be enough because files may stay on computer's hard drive, where they may be retrieved easily. Use a "wipe" utility program to overwrite entire hard drive.

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