California Bad Credit Don't just give up becasue of your credit. Make your dream a reality. You need to start somwhere. I will give you an idea how to get started to either purchase your new home or refinance existing home loan. Here is how everything works: Lenders have a loan programs who deal with bad credit. These loan programs however, carry a higher interest rate and in most cases a prepayment penalty. Prepayment penalty on your mortgage will have an "extra fee" which carries up to 5 years. That is if during those 5 years you try to refinance your loan to lower you monthly payment a fee will have to be paid off. I have an access to a lenders who offer 2-3 years of prepayment penalty. With this you can get back on track and after those years, you can call me back to get a lower interest rate. An I will make you a GREAT deal!. So what you should do? Simply fill outLoan Application and I will give you an idea where you stand FREE. I can tell you what loan programs you may quolify for, with an interest rate. Than we will develop a plan for you so you can fix your damaged credit and get back to lower interest rates.