Many people who have had or are having problems with their credit are misled  into thinking that they don’t qualify for a new loan. The problem is that in most cases, they were just contacting the wrong types of lenders who could not help them. Listed below are the top 10 reasons why Platinum Mortgage has the flexibility to say yes:

1. We Let the Lenders Compete For Your Loan.
   We understand the importance of shopping around to find the best loan for your particular needs. After all, you want to rest assured that you received the best rate and terms based upon your past credit. Our unique relationships with the country’s biggest specialty lenders allows us to “shop” your loan to find you the best loan possible.
   
   
2. Late on Your Mortgage
   Late payments on your existing mortgage are not a problem. We can help you get back on your feet and get a new loan if you are 30, 60, or 90 days behind. We have even helped people who have had a Notice of Default get a new loan.
   
   
3. Hard to Prove Income
   We have loans that don’t require traditional income documentation. Being self-employed or having hard-to-prove income isn’t a problem at Platinum Mortgage.
   
   
4. Too Much Existing Debt
   Most lenders turn people down if they are carrying to much debt. However, Platinum Mortgage has the ability to not only get you qualified for a new loan, but to shed that unwanted debt as well.
   
   
5. Bankruptcy or Foreclosure
   If you have had a Chapter 13 or 7 bankruptcy, you may still qualify for the same programs as someone who didn’t! We even have the ability to bring you out of your bankruptcy.
   
   
6. Medical Bills
   Past medical problems that have affected your credit are not a problem with FlexPoint Funding. We realize that this can happen to anyone, and that you shouldn’t be penalized because of it. Platinum Mortgage can help you pay off those bills and move on.
   
   
7. Collection Accounts / Charge-offs
   Current or past collection or charge-off accounts are not a problem. We can stop those nagging creditor calls, or turndowns from new creditors, by getting you a new loan and paying them off.
   
   
8. Judgments / Liens
   Do you have open judgments or liens against you? A new loan from Platinum Mortgage can get rid of them.
   
   
9. Consumer Counseling
   Tired of being buried under those consumer-counseling payments? Tired of not being able to finance anything new like a car, boat, or furniture? Then stop! We have the ability to take you out of consumer counseling and get you back on track to getting your credit repaired.
   
   
10. High Interest Credit Card Debt
    Are your credit cards maxed out or running continually high balances? Then consolidate your debts into one new payment per month and shed that unwanted debt. You may even be able to write it off of your taxes as well, saving even more money year after year.