We Can Help You

At RanLife, we do amazing things. Our focus is on getting families into homes or refinancing your current home to put you in a better situation, whether that's lowering your interest rate, removing PMI, or getting you the cashout you need to pay off high interest debt or finally redo the kitchen.

The term bad credit is overused and often misconstrued. As a Direct Lender, we have options that others can't offer, including options for bad credit. Whether you're a first-time homebuyer, or someone who has purchased many homes, we're here to offer you the best options and the quickest financing.

Simply put, your credit history is a record of your ability to repay money you've borrowed. On-time payments boost your score. Delinquent payments decrease that score.

A high credit score avails you to more favorable rates and programs. While credit scores are important, there are many programs that don't need a high credit score.

Call or Fill Out a Fast Track Form

Call or fill out a Fast Track Form to find out if you can qualify for one of our No or Low Credit Score Programs.

What You Need to Do

Together, we'll review your credit score and credit profile. We look at the middle score of the three credit bureaus, this is known as the mid-score. Your credit score can range anywhere from 350 to 850. Typically, you need a mid-score over 500 to get a home loan and over 750 is considered very good credit. If you haven't established any credit yet you may not have a credit score with the bureaus. There are other ways you can qualify for a home loan or refinance loan if you don't have a credit score.

If you're interested in checking your credit score to pre-qualify for a loan, please click here to fill out an application and learn how to get a copy of your credit report for free.

Do You Have Compensating Factors?

What are compensating factors? Compensating factors are things that will strengthen your file, things like a big down payment or a large 401(k) provide extra strength to a credit profile and may help you receive an approval. Fill out a Quick Form or call and talk to a representative to see if you have compensating factors that can help get your family into a home or lower rate with a refinance today.

Need Some Help?

Loans can be a scary business. Let us help take out some of the fear of the unknown. Call one of our live and local Loan Specialists, or fill out a Quick-Form and we'll contact you.