When you are trying to qualify for a Low Credit Score Home Loan sometimes it just doesn't matter who you are, how hard you work, or what dreams you have; all that matters is one number: your credit score. Ocean Pacific Capital knows that you are more than a number and believe in giving you the right to prove it.

Here are general guidelines you can use as a very rough rule of thumb to determine whether you're a candidate for a Low Credit Score Home Loan:

Limited ability to cover family living expenses each month

Qualifying debt-to-income ratios of 50% or higher

A FICO score of 620 or lower

One 60-day delinquency in the past 24 months

Two (or more) 30-day delinquencies in the past 12 months

But remember when applying for a Low Credit Score Home Loan, your overall creditworthiness is not just about formulas and credit scores.and missing a credit card payment or two does not automatically mean that you're doomed to double-digit interest rates. The only sure way to know where you stand is to apply for a Low Credit Score Home Loan and speak with a professional loan consultant.

Use our online loan application or call us toll-free at 1-800-595-1474.