Your credit score plays a signifcant role in the approval of a home mortgage. How good or bad your credit is determines the interest rates and fees involved. Just because you have a low credit score doesn't mean you should assume that you can not get a home loan. At Ocean Pacific Capital, we specialize in offering a variety of California bad credit mortgage loans available for practically any borrower, even if you have bad credit.

In the mortgage industry, credit scores are known as a FICO score. This is determined by your total credit, the amount you have used, the credit type, the period of time of your credit, and your payment history. A FICO score over 800 is considered as a perfect credit score, while anything below 560 is considered bad credit.

At Ocean Pacific Capital, with our access to many lenders, we will find the mortgage loan best suited for your needs given your bad credit history. Call us toll-free today at 1-800-595-1474 or fill out our online loan application.