Its officers also process new construction, jumbo, and rural hobby farm home loans. Your best bet is to speak to a broker who understands your situation. 5. Lastly, an independent mortgage broker will provide you with the options of specialist mortgage lenders and you choose from the options as per your budget. [1] [2] The two main types of binary options are the cash-or-nothing binary option and the asset-or-nothing binary option. A deed of trust (also known as a trust deed) is a document sometimes used in financed real estate transactions, generally instead of a mortgage. For Sale. A specialist mortgage broker will have access to very competitive rates the moment your IVA drops off your credit file, 6 years after the start date. by HSBC Bank USA, N. 5 times an applicant’s income if employed by the NHS. L&C broker. Working with a mortgage broker or financial advisor who specialises in helping people with past credit problems can also be helpful in finding lenders who are more willing to. Cons of using a mortgage broker. After six years, the IVA will have disappeared from your credit history, and you may be able to get a mortgage with a small deposit of 5% or 10%. The mortgage broker matches the. At Independent Mortgage Brokers, we believe in providing tailored solutions that address your specific needs. Specialties: Second Street Mortgages Ltd - The Mortgage Centre specializes in Residential Mortgages, Home Mortgages, House. In theory, if an IVA is entered into, and lasts for five years, one year after it has finished it should no longer be showing on a credit file. In a word, yes. If you have an Individual Voluntary Agreement (IVA) in place, you may be unclear about where you stand with regards to getting a mortgage. It may rule you out of consideration for the lowest mortgage rates, but specialist lenders might still be able to help. Ability Mortgage Group, LLC Peter Dellane NMLS# 192557. Check out what more of our clients are saying here! Petra Cephas: Residential Mortgage Brokers can help you find the best New Jersey, Pennsylvania, California, and Florida residential mortgage loans with no fees. BBB Directory of Mortgage Broker near Iva, SC. Here's a list of seven steps on becoming a mortgage broker: 1. Based on a 0. Our exceptional loan programs provide you with low rates, fantastic customer service, and closing cost assistance. When reviewing your IVA, your provider should ask your secured lenders for a redemption statement that will show how much it will cost to settle your mortgage, as well as completing a property valuation and sending you a copy of the relevant property sections from the IVA proposal. Compare remortgage rates from over 70 lenders across the whole of the market. We had the vision to become a nationwide full-service lender that could match customers with the perfect mortgage to suit their needs, provide knowledge and support every step of the way, and make their homeownership dreams possible and affordable. All mortgage loan brokers must be licensed. NMLS# 269930. It. It will be the job of a mortgage applicant to disclose the IVA to a lender when applying for a mortgage. 25 May 2018 at 12:20PM. But, remember, only work with a broker who you can trust!Mortgage and home equity products are offered in the U. You will be able to get a mortgage after an IVA but you are unlikely to be able to get one until the IVA drops off your credit file. Updated: 3/8/2023 Page 3 of 11 Confidential Contact the Virginia Bureau of Financial Institutions’ Administration and Licensing Section staff by phone at (804) 371-9690 or send your questions via email to mortgagelicensing@scc. Navy Federal Credit Union mortgage review. IVA/mortgage. ZGMI is a licensed mortgage broker, NMLS #1303160. In general, the same rules apply to bankruptcy (a minimum of 3 years passed since completing the IVA), however there are some lenders that will accept an application if you. It was founded in 2007 and is employee-owned. First time on the site and first post so very grateful for any help. It’s quick & there’s no credit check. While many people think this is simply a well-created logo, that is only partially true. They will also give you a hand with all of the paperwork, potentially saving you time as. A bad credit mortgage, sometimes called an adverse credit mortgage, is one that’s targeted at customers with a poor credit history. Jolene Hanson- Academy Mortgage. “The loan process and closing was completely seamless and easy. The other crucial factor will be the amount you earn. 13198365) are. Rocket Mortgage: Best for customer service. However, there isn’t a straightforward answer to this question. Getting mortgages after an IVA. Brokers with experience in adverse credit situations will have existing relationships with many specialist lenders and will understand their criteria and processes. It is possible to get a mortgage after an IVA - it takes time and patience to rebuild a. Guaranteed Rate. It was founded in 2007 and is employee-owned. The company adopts a customer-centric approach when dealing with its clients. The advice is free and confidential. Mortgage Broker: A mortgage broker gathers paperwork from a borrower and passes that paperwork along to a mortgage lender for underwriting and approval. Mortgage brokers can specialise in finding mortgages for applicants with all kinds of credit issues. Payam Azadi is a partner at Niche Advice Ltd who are Independent Financial and Mortgage Advisers in London and is an experts in getting a mortgage for doctors in the UK. However, once this time period has. There is hope!We have access to an exclusive range of products from specialist lenders some of which you and other Mortgage Brokers may not be aware of. Use Cases . 9am–5pm. IVA Mortgage Expert, Silsoe. It’s important to be as transparent as possible and include information about any monetary issues and usages of debt. Applications include questions that property brokers and lenders expect honest answers to. Can you get a mortgage after an IVA? The longer an IVA has been completed, the more lenders will be willing to potentially provide you with a mortgage. Talk to Simply Adverse, the adverse credit mortgage specialists about mortgages for: Debt management plans. MTG (844. The simple answer is yes, you can get a mortgage after an IVA. 2023's Best Mortgage Lender in Pennsylvania. Search Portal. Whether you want to buy a first or new home, remortgage your current property, borrow more or buy to let – we’re here to help. On top of all that, some brokers even have exclusive access. Credit restrictions. Some things don’t always add up, but one thing we’re certain about is that when you have the right expert and lender on your side your chances of mortgage success are much higher. An IVA is going to harm your chances of obtaining credit, The good news is that there are mortgage brokers who specialise in IVA mortgages. Find a mortgage broker by comparing what each one can offer you, looking online at reviews, and asking your family, friends, and real estate agent for. A bad credit mortgage, sometimes called an adverse credit mortgage, is one that’s targeted at customers with a poor credit history. After an IVA, bankruptcy or DMP. 00 15 Reviews (2 Recent | ) MortgageRight Joseph C Cammauf, jr NMLS# 1370626. This property is currently available for sale and was listed by WUMLS on Nov 19, 2023. How's your credit? What is your goal for this loan? + More Options . Whether it is a single-family home, condominium, or townhouse, the company offers a suite of loan programs through some top wholesale lenders. First Rate Mortgage is a mortgage broker company established in 1998. 888-312-5252Track the progress of your mortgage application via our app and much more. Mortgage brokers are professionals who act on behalf of borrowers to find the best available mortgage rates in the market. Integrations Connect the tools you love with Brokermint. For help, call 0800 470 3740 to discuss your options with our broker partner Fluent Mortgages. 24 October 2013 at 8:54AM. . See more reviews for this business. The independent mortgage broker data on this page was compiled from publicly available information and information from third-party vendors, or provided directly by the independent mortgage broker. (e. There are specialist lenders who will consider your application, but this is likely to be an. 5. We offer another service that we do charge for – our home-buying service, where we help you sort the property survey, the mortgage, and the legal work together – everything you need if you’re buying a home. Transparency; KYC; TAG. Even if you have a less than perfect credit score, for example – and even been refused a mortgage by a high street bank – a broker could still be able to find you a deal. With hundreds of 5 star client reviews. In order to qualify for this category – as defined by the FCA – you’ll need a salary of over £300,000 or access to assets worth at least £3 million. 147 Mike McConnell Ave, is a mobile home, built in 2000, at 1,736 sqft. Popular features include borrower/lender portals, online payments, text alerts, document scanning, Quickbooks interface, one-click imports/exports, ACH/EFT, complete investor management including fractionalized loans, three different mortgage pool. Binary option. 208 Baskin Rd, Iva, SC 29655 is contingent. Although the loan was paid off initially fine for the first 5 years, changes in financial. Their combined experience of over 50 years in the mortgage and financial services industry means they have an enviable reputation and one which makes them well-placed to find the most suitable mortgage solution for you. 8 on Trustpilot with 6,855 reviews. Mar1980 Forumite Posts: 9 Forumite. 1. The company handles quick closure from submission to underwriting, common sense underwriting, and in-house processing. How to Find a Mortgage Broker. 2. Worried you may struggle to get a mortgage because of your bad credit history? We work with specialised mortgage providers who offer new mortgages and remortgage with bad credit solutions for people with poor credit histories. And if the person has a mortgage at the time of bankruptcy, it will be included in the IVA. 00 55 Reviews (0 Recent | ) FitzGerald Financial Group, A Division of TowneBank Mortgage Steven Paul Siwald NMLS# 455899. 5. We’re specialist mortgage brokers with a proven track record of making specialist mortgages possible for people like you. 620 for conventional and VA loans. Eastern Funding Group LLC NMLS. The company can compare and estimate the expenses of various programs like conventional. We’re expert IVA Mortgage brokers helping people that are currently in or have previously been in an IVA. If a borrower can't afford to pay off their debts in full, they can enter into a contract with their lender - known as an individual. Consolidating other debts into a new mortgage, and moving to a better rate, can be a great way of making a significant saving every month. For Sale. Jacob Bryan NMLS# 708269. Iva Young Business Development Manager at ubank NSW/ACT Published Apr 21, 2020. 112 likes. Victoria, BC V9B. Calhoun Falls, SC 29628. Frank Raymond Cwalina, II NMLS# 168038. Having spoken with a broker, we are confident of securing the required mortgage in. Royal Charter Mortgage Nancy Kaiser NMLS# 453708. Mortgage Broker: A mortgage broker gathers paperwork from a borrower and passes that paperwork along to a mortgage lender for underwriting and approval. Your guide to trusted BBB Ratings, customer reviews and BBB Accredited businesses. Bad credit mortgage lenders typically operate away from the UK High street which can. Mortgage Solutions Financial-Richard McCracken. If the IVA was settled in the last three or four years, then a lender may want to have a higher deposit, between 15% and 25%. An IVA may present a convenient and readily accessible way out of insolvency. A mortgage brokers job is to make the process hassle-free, undertaking tasks such as liaising with the lender and all other parties. Speak to one of the expert mortgage brokers we work with today by calling us on 0808 189 2301 or making an enquiry online. 4) Jacob Bryan NMLS# 708269. 5. 3%-5% for conventional loans; 10% for jumbo loans. Generally this will be between £800 – £1500. 2. A broker can assist a client with fee management concerning their desire to obtain a mortgage or approach a new lender. However in order to get access to high street interest rates you will have to wait until the record comes off your credit file. 4yIt is a good idea to speak to specialist IVA mortgage advisors,. Bad Credit Mortgage Brokers – Our 5* Rated Service Can Help You. Best Mortgage Brokers in Miami, FL - Expert Mortgage Group, Alex Doce - The Doce Group, Emmanuel The Mortgage Specialist, Vanessa Mortgage Broker, Capital Trust Mortgage Corp, On Mortgage, Bryan Acosta, Premier Lending, Real Loan Partners, Wil Reguera - Caliber Home Loans. We now both have good jobs and are earning a reasonable amount (£60k+ pa between us). Trussle have found one lender (Blue Mountain) who may be a possibility but the adviser has said it will take some leg work and arm twisting from their side. For more information on getting a Mortgage after Completed IVA. 00 4 Reviews (0 Recent | )True North Mortgage is one of Canada's leading mortgage brokers, with the lowest mortgage rates. However, it may be an option for those who are struggling to secure a. 5. Refused after a decision in principle is approved. Once it has been removed from your credit file, your chances of getting a mortgage will increase. Best Mortgage Brokers in Tampa, FL - Heckman Mortgage, Marimark Mortgage, Jordan Vreeland, Aaron Gullion - Riverview Mortgage, Florida Mortgage Firm, Clearwater Mortgage, Ryan Takieddine, 14 Days to Close, Steven Austin - Guaranteed Rate, Christopher White - American Financial NetworkNorthwood Mortgage is a mortgage brokerage based out of Markham, Ontario. Moving house or buying your first home? See how much you can afford to borrow and which mortgage deal best fits your needs! Contact us for FREE expert advice. 00 11 Reviews (0 Recent |. Brokers identify loans that meet. Getting a Mortgage With an Active IVA. 426 Jackson St. A mortgage broker can provide valuable guidance when dealing with specialist lenders. The companies stated act as a broker and will search a panel of lenders to find the right loan for you. However, it may still be possible to explore mortgage options with specialist lenders who cater to individuals with adverse credit histories. 00 3 Reviews (0 Recent | ) Linda Marie McCormick NMLS# 235137. If your circumstances have changed since you initially took out your mortgage, this. You may even be able to get a mortgage with a small deposit of around 5% or 10%. CALL US NOW 0121 4000 052. Rocket Mortgage: Best for customer service. Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash. If you’re a first-time buyer, looking to get on the property ladder, it’ll be harder to get a mortgage while. We will compare deals on mortgage loans from a variety of companies before suggesting a mortgage lender who is likely to accept your application. Geographic and other restrictions may apply. The scheme is open to military personnel, other key workers and first-time buyers. , is a Louisville-based mortgage broker. Yes, you can get a mortgage after completing an IVA. Contact us. Yes, it is possible to get a mortgage after an IVA. . Mortgage and home equity products are offered in the U. ; Blog Our hub for cutting-edge real estate business and back-office resources. You. Which mortgage lenders offer incentives to NHS staff? Some of the lenders that offer incentives to NHS employees include: Foundation – Lends up to 5. Search; About Us Blog 1-877-778-4772. 6. A mortgage broker is a licensed and regulated financial professional who acts as an intermediary between borrowers and lenders. Advantages of Using a Mortgage Broker. A broker is your trusted confidant at all stages of your mortgage journey. 15: 30-year fixed: 7. Simply enter the zip code of the area you're interested in buying a property, or the address of your home to find lenders for a second mortgage or refinance loan. 37% procuration fee, a broker would earn £370 commission for a £100,000 mortgage. However, it may still be possible to explore mortgage options with specialist lenders who cater to individuals with adverse credit histories. If you settled your IVA early more than 3 years ago but the record is still on your credit file you may now be able to get a high street mortgage. Make sure the lender is reputable and has a good track record. and are only available for properties located in the U. The service provider facilitates various mortgage programs such as conventional, FHA, RHS or USDA, VA, and renovation. Yes, once your IVA has been completed, it will be possible to get a mortgage. A mortgage transfer is where a person is added, removed or replaced on an existing mortgage. We had the vision to become a nationwide full-service lender that could match customers with the perfect mortgage to suit their needs, provide knowledge and support every step of the way, and make their homeownership dreams possible and affordable. hundreds of repeat. Bad credit. 5 bath. Explore the user-centric interface and see how mortgage brokers just like you easily access rates from more than 120 investors each day. This is where a good broker’s advice is invaluable. ; Success Stories How Brokermint has impacted big and small organizations; Mobile App Take Brokermint on-the-go with our mobile app for Apple and Android devices. If you have an IVA, lenders may consider whether the arrangement is likely to be completed and any other longer-term effects. These commissions, known as origination fees , are commonly 1% to 2% of the loan amount. Best Nevada Mortgage Lenders of 2023. When it comes to applying for a mortgage after an IVA, the passing of time can be helpful. 4. It’s possible to get a shared ownership mortgage with the following credit issues: County court judgements (CCJs) Missed payments and arrears. Transparency; KYC; TAG. If you’re refinancing with your. 2. Ally Bank. 5. Best North Carolina Mortgage Lenders of 2023. You’re much more likely to get accepted for a mortgage when using a. Next steps getting a mortgage with an IVA. Bear in mind, you are likely to need a deposit of at least 10% of the value. uk Ltd and company director. More: Check out our picks for the best mortgage lenders. First Community Mortgage Alex Doce NMLS# 13817. Generally speaking you will be able to borrow a maximum of 3-4 times your gross annual income. CMP’s 2021 Top Brokerages report is a testament to the effort and tenacity of the brokerages that rose to the challenge and produced outstanding results across the board last year – emerging. Habito* – Online first – Fee-free – Rated 4. This can be achieved by ensuring all your existing financial. If you are looking to buy a property and it is 6 years or more since your Arrangement started then with the right help you should be able to use a high street lender. 800,000 MONTHLY SEARCHES. 00 10 Reviews (0 Recent | ) Suzanne Marie Murray NMLS# 1328494. Rocket Mortgage – Best Online VA Lender. Mortgage interest rates were widely expected to fall throughout 2023 but are now expected to stay higher for longer. This means that with the right advice and preparation, a CCJ shouldn’t stop you from getting a mortgage. At IVA Mortgage Expert we offer a range of IVA Mortgages to help you find the best IVA Mortgage rates. This will then be paid into your IVA. 00 4 Reviews (0 Recent | ) Benchmark Mortgage Bobby Campos NMLS# 289428. 5. If you have an IVA, lenders may consider whether the arrangement is likely to be completed and any other longer-term effects. For U. The company offers fixed-rate, adjustable-rate, and home path financing. Finding a mortgage broker who will approve a mortgage for someone with poor credit Proving your ability to pay the mortgage company while keeping up with your. After six years, the IVA credit file record is automatically deleted. We also work with specialist lenders that have helped buyers. Life’s too short for life admin. We understand how stressful trying to arrange a mortgage is with a poor credit score, so we do everything possible to keep things simple. Farmers Bank of Kansas City: Best for Online Loan Application. Find out more:get to grips with the details in our guide on getting a mortgage with a CCJ. Postal Service: For Overnight Delivery: Bureau of Financial Institutions147 Mike McConnell Ave, Iva, SC 29655. Am I required to declare an IVA in mortgage applications? Yes, declaring an IVA is mandatory when applying for a mortgage. The UK’s largest fee-free mortgage broker; London & Country (L&C) has offices in Bath, London and Newcastle. You don’t necessarily need an IVA. Help to buy ISA – gives a maximum bonus us £3,000 if you save the maximum allowed of £12,000. As such you will need a deposit of 5-10% of the sale price. Sunday. You can also go online to look for a broker and check whether there have been any disciplinary actions against them. Speak to an ams: mortgage broker today. THIS BEAUTIFUL HOME IS PRACTICALLY NEW! A mortgage broker can help if you want support sifting through loan options, pinpointing the best interest rates or overcoming complex borrowing challenges. ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ ᅠ Select Download Format Getting A Mortgage After An Iva Download Getting A Mortgage After An Iva PDF Download Getting A Mortgage After An Iva DOC ᅠ Related guides in, mortgage iva last five years has been temporarily limited or advice to take your ownMortgage Experience Limited is registered in England and Wales. Mortgages for bankruptcy. Mortgage bankers take your loan application, underwrite it, approve it and see you through the closing process. 5. Let’s do this Let’s do this: sign up. Create Finance has specialist brokers who have access to a comprehensive range of lenders, finding clients the mortgage deal that meets their unique circumstances. IVA mortgages are complicated and require a level of know-how and access to a broad range of lenders. If you have an IVA, lenders may consider whether the arrangement is likely to be completed and any other longer-term effects. Engaging a mortgage broker for a mortgage with IVA. For a £150,000 mortgage the broker would earn between £525 and £675 in commission. For example, customers with County Court Judgments (CCJs) against their name, Individual Voluntary Arrangements (IVAs) or bankruptcy. 🌟 Exciting Day at Finsure PD Day for Mortgage Brokers! 🏡 Today has been a great experience at the Finsure Professional Development Day at Centennial Park 📚💼 As mortgage brokers. I am a repeat customer of Habito. 12 June 2020 at 11:40AM. Welcome to Roberts McBain Mortgage AND Finance. Step 1: Take the pre-licensure class. We appreciate that for people with current or historical financial difficulties, getting a. Here we look at different marketing ideas to help you start creating a marketing strategy that works for you and your business. Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. BASE SUBSCRIPTION $ 79 /Month. CarolTeddy Posts: 3 Newbie. Vickery explained that if a customer enters into a bankruptcy in 2013 he will be discharged by 2014 and in 2020 he will be considered by a mortgage lender for secured finance. Use the nations largest mortgage broker directory in Iva, South Carolina. Hi, I managed to get a joint mortgage with my husband 6 years and 5 months after the start of my IVA. BBB Rating: A+ (800) 481-2956. Fee charging DMP practitioners usually charge an initial arrangement fee plus a handling charge for each monthly payment they process. It offers FHA home loans for first-time and. However it will be difficult as you will require a deposit of at least 45% of the value of the property. It also carries options like FHA, VA, USDA, and even jumbo loans. 5. nesto: nesto is a leading digital brokerage in Canada that offers the longest rate hold of up to 150 days. Use our online mortgage calculator as a guide for your monthly repayments nowMortgage brokers stand ready and able to assist with your options during this difficult time. 00 3 Reviews (0 Recent | ) Benchmark Mortgage Marlowe Leanne Campos NMLS# 1621669. 00 30 Reviews (0 Recent | ) First Home Mortgage Corporation Carli Elise Steiner NMLS# 2009109. ” more. Its team guides clients in selecting the mortgage. Sales. Applying for a mortgage. 5. However it will be difficult as you will require a deposit of at least 45% of the value of the property. Below we look at whether getting a mortgage after an IVA is a possibility and how other debt solutions may also affect future lending. Recruiters. You should offer to settle the IVA with an amount close to the amount you would repay over the entire IVA term. Mortgage brokers earn a commission from the borrower, the lender, or both. You can also find out if you’re eligible under the mortgage guarantee scheme to apply for a 95%. Please complete the online enquiry form on this page or alternatively call me on (020) 7903 2044. Get in touch, and let’s start your mortgage journey today. For example, if you pay £150 per month and have 20 months remaining, you will need to offer close to £3,000 to get the IVA settlement accepted. View Iva Young's business profile as Senior Mortgage Broker. However, it will give you significant other benefits. The loan programs include VA loans, FHA loans, USDA. IVA specialist lenders differ from other specialist mortgage lenders and mortgage brokers in key ways. The fee can be paid direct or added to the mortgage. Finding a mortgage with or after an IVA can be difficult and has to be approached carefully. Due to the shortage of lenders available in this market, getting the application right first time is very important. Speed up hiring of top talents. The IVA was in my name only and it was our first mortgage. Things to Consider. 0) Stella Stoyanova NMLS# 1295417. 37% procuration fee, a broker would earn £370 commission for a £100,000 mortgage. It is affiliated with Finance of America, a mortgage banker that offers both standard and customized loan plans. 14127588) Fluent Lifetime Ltd (Company No. Re: 6+ years after start of iva mortgage. The right mortgage broker will know exactly which mortgage providers to approach. 120+ INVESTORS. Poor credit history. [3] An IVA is recorded on the Individual Insolvency Register which credit reference agencies use to update your credit file. Also, the bank isn’t going to tell you if there’s a better rate elsewhere. If you use a specialist lender, the procurations fees are higher due to the extra time to secure the mortgage. I have managed to get all my default dates aligned with the IVA commencement date, so come 28th December 2019 my credit file will be squeaky clean. We’re expert IVA Mortgage brokers helping people that are currently in or have previously been in an IVA. Wells Fargo. Usually, when a person is on IVA, he is unlikely to get another mortgage. They might find a broker who agrees to find a loan for a 1% borrower fee. In short, this is the same as remortgaging but staying with the same lender. The terms of your current IVA may mean you are ineligible to apply for any credit which includes mortgages. What else do lenders look at when assessing your application? As well as looking at your employment, affordability , income levels and other financial commitments, lenders will likely have specific lending criteria related to. For more information on getting a Mortgage after Completed IVA. Get the expert mortgage advice you need now and it won't impact your credit history:P. lenders who will accept you with at least 12 months worth of self-employed accounts with the help of a bad credit mortgage broker. Bad Credit Mortgage Brokers – Our 5* Rated Service Can Help You. Obtain your high school diploma or GED. uk. You can use its brokerage service online or over the phone. Brokered by Founders Real Estate LLC. 98 61 Reviews (0 Recent |. The terms of your current IVA may mean you are ineligible to apply for any credit which includes mortgages. Generally this will be between £800 – £1500. She assists homebuyers in refinancing, purchasing, and vending houses. Featured in: If you’re looking for a mortgage and your situation isn’t straightforward, it can be frustrating and disappointing to be repeatedly. Her loan programs include FRM, ARM, FHA, and VA mortgages. As a. With over a decade working as a mortgage broker he has a strong understanding of hard to place mortgage cases. We’re completely independent which means we are who. Use our tool to find mortgage lender options. Get the expert mortgage advice you need now and it won't impact your credit history:An Iva is an alternative to bankruptcy which is why many people enter into these agreements. IVA mortgage . Kim Altier is a mortgage broker that helps clients in Tulsa. An adverse credit mortgage is a mortgage that is designed for people who have a poor credit history, which can include late payments, CCJs, bankruptcy, repossession, or IVA.