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Bad credit? Bankruptcy? Foreclosure?
We provide loan options,
even with bad credit!
Bad credit? Bankruptcy? Foreclosure?
We provide loan options, even
with bad credit!
We've funded more than thousands of homeowners.
Get a decision in 24 hours.
Get the funding you need in 7 to 14 days.
Don’t let a history of bad credit stop you from homeownership.
We provide flexible home loan solutions designed for buyers with less-than-perfect credit, helping you take the next step toward homeownership with confidence.
Bad Credit Loan Types
FHA, USDA & VA Loans – Ideal for first-time home buyers with a low credit score (500+ with 10% down)
Hard Money Loans – Fast approvals, flexible terms for those facing foreclosure or needing alternative financing
Bad Credit Mortgages – Custom loans for denied borrowers
Alternative Income Loans – For non-traditional earners
Why Homebuyers Trust Associates Home Loan
Judgment-Free Zone For a Fresh Start
Trusted by Thousands of Homeowners
Personalized Loan Solutions
Fast & Easy Pre-Approval
Competitive Interest Rates
Bad Credit Doesn’t Mean
You Can’t Own a Home
Don’t let your credit score stand in the way of homeownership.
Our team is here to guide you with expert solutions tailored to your situation.
No Obligation. Free Consultation. Fast Pre-Approval.
Bad Credit Doesn’t Mean You Can’t
Own a Home
Get a decision in 24 hours.
Get funding in 7 to 14 days.
No Obligation. Free Consultation.
Fast Pre-Approval.
Real People. Real Success Stories.
My credit was under 600 due to fraud and past negatives, making it hard to get an equity loan. They got us our first mortgage. The process was quick and professional. I was impressed by the entire team and how easy they made everything.
Kenneth Ryan
I highly recommend this company Pat and Lauren were extremely helpful and treated us like family. They have always taken our phone calls and always had time to answer all of our questions.I have recommended them to my friends.
Travis Sherrod
As a real estate professional and a consumer I highly recommend Associates Home Loans of Florida for you mortgage or refinance needs!
Kevin Crystal
FAQs
Can you buy a home with bad credit?
Yes! There are options for mortgage loans available even if your credit score is low or you have past financial difficulties. FHA and VA loans, hard money loans, and other specialized mortgage programs could be a good fit.
What’s the minimum credit score required? Will I pay private mortgage insurance?
For FHA loans, a score of 500+ with a 10% down payment may qualify. Mortgage insurance depends on the loan amount and other risk factors. Different programs have different requirements, and we’ll work with you to find the best solution with your credit history and financial situation.
How fast can I get approved?
Most pre-approvals happen within 24-48 hours, and we guide you through the entire process.
Will I have to pay a larger down payment or closing costs due to my credit score?
Not necessarily. We'll discuss the terms and conditions of your loan with you so you understand everything fully.
14497 N Dale Mabry Hwy Suite 150
Tampa, FL 33618
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