Bad Credit Refinancing - How To Refinance Your Mortgage Loan With A Low Credit Score

If you have bad credit or a low FICO credit score below 600 (be it 580, 590, etc), you can still get a Cash Out Refinance Loan, Home Equity Loan or HELOC. APPLY Now.

No Fees! No obligation. Complete a - 1 minute application. No Credit Check and No SSN required to match you to a loan product! Get up to $50,000 or more.

Pioneer Lenders. Pioneer Lenders offer free refinance loan quotes and specializes in matching consumers with all credit types to mortgage loan products. The online application is 1 minute and asks for the following information:

  • Basic Personal Information
  • Type of Loan
  • State of Residence


    • Products offered include the following:
    125% HELOC Loans & 125% Home Equity Loans

    Cash Out Refinance Loans

    Debt Consolidation Loans

    New Home Mortgage Loans
    Loan Types Include:
  • Adjustable Rate Mortgages (ARM)

  • 15 Year Fixed

  • 30 Year Fixed


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    Interest Rates
    15 Year Fixed and 30 Year Fixed Interest Rate retain the same interest rate and principal payments over their lifetime. Fixed rate loans usually have slightly higher interest rates than Adjustable Rate Mortgage (ARM) loans, since, your principal and interest payment is stable.

    Conforming VS. Jumbo Loans: A conforming loan is a mortgage loan below $417,000. These loans tend to have a lower interest rate than non-conforming loans. Non-conforming loans are also referred to as "Jumbo Loans". Jumbo loans are loans above $417,000.

    Adjustable Rate Mortage (ARM) Adjustable rate loans (for example 5/1 ARM, 7/1 ARM) have the same interest rate and principal balance for a specific period of time and then they adjust periodically. For example a 5/1 ARM will have the same interest rate for 5 years and then adjust yearly after that. ARMs loans have lower interest rates than fixed interest mortgage loans. They are best suited to consumers, who plan to sell their homes in 3, 5 or 7 years.

    Bad credit refinancing loans, bad credit 125% HELOC loans, bad credit 125% home equity loans and bad credit cash out refinance loans offered in all 50 states including: Alabama (AL) Alaska (AK) Arizona (AZ) Arkansas (AR) California (CA) Colorado (CO) Connecticut (CT) Delaware (DE) Florida (FL) Georgia (GA) Hawaii (HI) Idaho (ID) Illinois (IL) Indiana (IN) Iowa(IA) Kansas (KS) Kentucky (KY) Louisiana (LA) Maine (ME) Maryland (MD) Massachusetts (MA) Michigan (MI) Mississippi (MS) Missouri (MO) Montana (MT) Nebraska (NE) Nevada (NV) New Hampshire (NH) New Jersey (NJ) New Mexico (NM) New York(NY) North Carolina (NC) North Dakota (ND) Ohio (OH) Oklahoma (OK) Oregon (OR) Pennsylvania (PA) Rhode Island (RI) South Carolina (SC) South Dakota (SD) Tennessee (TN) Texas (TX) Utah (UT) Vermont (VT) Virginia (VA) Washington (WA) West Virginia (WV) Wisconsin (WI) Wyoming (WY) New York (NY) Los Angeles (LA) Chicago Baltimore Washington D.C. (DC) Los Vegas Philadelphia Boston New Orleans Los Angeles Seattle Miami Tampa Arizona Memphis Charlotte Dallas Minneapolis Tulsa Cincinatti Las Vegas Detriot Pittsburgh Charlotte Oakland Austin Denver Phoenix San Diego Sacramento Raleigh Portland