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Bad Credit Home Loan

Home Loans For People With Bad Credit


You may have bad credit, or maybe just not great credit.  With the way the economy has been for the last 7 years..


Are you wondering how to buy a new home or refinance your existing mortgage with poor credit?

Do you know how to acquire a bad credit home loan?

Omni-Fund has solutions to help people with less than excellent credit.  We pride ourselves on being to think out of the box and provide special niche programs that most lenders do not have.

Many of these loan programs have relaxed qualifications that help people every day stop being renters and become homeowners.

What sets us apart from the competition is our specialized loan programs.  These programs may be the difference between qualifying or not qualifying for a loan to either do a refinance or finally get the property you are looking to purchase.

Call us today for a Free Consultation!

Some of the special loan programs offered:

  • FHA loans with 580+ FICO and 45% max back-end ratio
  • FHA loans with 640+ FICO and 46.99% / 56.99% ratios
  • Conventional Conforming loans ($417k or less) –  95% LTV with a 660 FICO (Condos are also permitted with this product)
  • Jumbo ARMs up to $1,000,000 with 680 FICO and 80% LTV – NO 5% LTV zip code reduction

Some of Our other NICHE Programs:

  • 1 DAY out of foreclosure, short sale or BK
  • 1 DAY out of SHORT SALE up to 75 % LTV with a 600 FICO
  • SISA – Stated Income / Stated assets – NOW up to 70% LTV
  • Foreign National program (SISA- NOW up to 70% LTV)

Contact Us Today