(281) 688-6166
Don't Let Past Credit Mistakes Hold You Back From Homeownership
We understand that life happens—and so does credit trouble. Whether you're recovering from late payments, collections, or a lower credit score, we're here to help you find a realistic mortgage solution. At Lending by Joseph, we specialize in mortgage solutions designed for buyers with less-than-perfect credit. Whether you've faced financial setbacks, missed payments, or low credit scores, our flexible programs focus on your future—not your past. We offer personalized guidance and alternative qualification paths to help you secure the financing you deserve.
What Are Bad Credit Loans?
Bad credit loans are home financing options designed for borrowers with lower credit scores, limited credit history, or past financial challenges. These programs offer flexible approval criteria and are tailored to support credit recovery while helping you purchase or refinance a home.
How It Works (Step-by-Step Process)
Apply Online in Minutes – Simple pre-approval form.
Get Matched with Lenders – We connect you with bad-credit-friendly lenders.
Receive Loan Offers – Compare rates & terms.
Close on Your Home – Fast funding available.
Benefits of Our Bad Credit Mortgage Loans
Low Credit Score Friendly: Programs available for FICO scores as low as 500
Flexible Qualification: We look beyond just your credit score
Manual Underwriting Options: Personalized review for unique financial situations
Low Down Payment Options: Access FHA and other government-backed loans
Credit Rebuilding Opportunity: Improve your score through on-time mortgage payments
Fast Pre-Approval: Quick turnaround to help you act fast in a competitive market
Expert Support: 25+ years helping buyers with challenging credit histories
Why Choose Lending by Joseph?
Credit-Friendly Programs – We welcome buyers with poor or limited credit history.
Personalized Loan Solutions – Every application is reviewed with a human touch, not just numbers.
Fast Pre-Approval – Get pre-qualified quickly so you can shop with confidence.
Expert Guidance – Over 25 years of mortgage experience working for you.
Licensed in all States – Joseph Services all of All states EXCEPT NY & MA
Bad Credit Loan Calculator
Get in Touch with Lending by Joseph
Whether you'd like to call, email, or book a free consultation, we're here to support you every step of the way—no matter your credit history.
See what customers say about our service
STILL NOT SURE?
Frequently Asked Questions
Can I get a mortgage with a 500 credit score?
Yes, depending on the loan program. FHA and certain private lenders accept scores starting at 500 with a higher down payment.
Will applying hurt my credit?
No. We do a soft pull initially, and full credit checks are done only after discussing your options.
Do you offer down payment assistance?
Yes, we partner with programs that offer grants or low-interest second mortgages for qualified borrowers.
How long after bankruptcy or foreclosure can I apply?
You can typically apply 2–3 years post-bankruptcy and 3–7 years post-foreclosure depending on the program.
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2918 W Grand Pkwy N Ste. 150-120, Katy, TX 77449
Houston, TX 77449
Company State License#
AZMB - 0944059
Contact Us
Joseph "DOC" Soulamon
Your Trusted Mortgage Advisor
NMLS # 2234526
Located In: All states EXCEPT NY & MA
Phone:
(281) 688-6166
Email:
PROUD SUPPORTER OF
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Joseph Services all of All states EXCEPT NY & MA
An Equal Housing Lender All Rights Reserved. © 2025