Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business.
Get the best mortgage loan for you...
Whether you're buying a house, refinancing or consolidating your debt, Ascent Home Loans helps you use your home as a powerful financial tool regardless of past credit.
Get fast answers...
We simplify the process with step-by-step support. At Ascent Home Loans we use the most advanced technology available to close loans quickly at a low cost. By combining the use of the website, along with advanced processing software and automated underwriting systems we have taken the mystery out of applying for a loan.
What's more, we make it possible for you to turn your dreams into a reality.
We offer the following mortgage services:
Loans For Your Purchase
Refinances
Cash Out Refinances
Reverse Mortgages
Low To No Down Payment
Home Equity Line of Credit
Second Mortgages
First Time Buyer Programs
Special Teacher Financing, Military, VA, FHA, Government Worker Programs; Including Police, and Firefighters
Low Income Programs
Hard Money Loans
Construction Loans
500-600 Credit Score Specialist
We have hundreds of loan programs including the perfect one for you!
M-SERIES PROGRAMS Simplified sub-prime program guidelines which allow unlimited 30, 60 and 90-day mortgage lates and ignore consumer credit history.
ALT-A PROGRAMS Alt-A programs that accommodate alternative document levels (including no income verification), higher Loan To Values, and large loan sizes up to 1 million.
PAYMENT OPTION ARMS (pick your payment) Flex the power of our Payment Option ARM with an introductory rate as low as 1.50%!
100% PROGRAMS We offer 100% Loan To Values on all our programs!
PIGGYBACK OR 2 MORTGAGES One more way We help you qualify.
NO HOUSING HISTORY Homeownership Program for borrowers with no housing history and scores lower than 600!
FOREIGN NATIONAL BORROWER We lend to non-resident aliens so we can say yes to more customers!
Impacted Credit More options for borrowers with scores as low as 350 with our Homeownership Program!
REVERSE MORTGAGES Great options for borrowers 62+ years of age.
WE HAVE A LOAN PRGRAM FOR YOU! All Credit Types Welcome!
Gives credit challenged borrowers a fresh start at building equity.
Policy Highlights:
BK 13:
Minimum 1-year time period from the discharge or dismissal date
BK 7:
Minimum 2-year time period from the discharge or dismissal date
Foreclosures:
Minimum 4-year time period from completion date
(Foreclosures less than 7 years ago - Minimum 10% down on purchases, Second home purchases & Investment properties not allowed, Refinances OK - Rate/Term Only , No Cash-out)
Deed-in-Lieu of Foreclosures:
Minimum 3-year time period from completion date
(Deed-in-Lieu of Foreclosures less than 7 years ago - Minimum 10% down on purchases, Second homes purchases & Investment properties, Refinances OK - Rate/Term Only , No Cash-out)
Short Sales:
Minimum 3-year time period from completion date
BAD CREDIT MORTGAGES
Preview our YouTube video explaining Bad Credit Mortgages and what options are available for you...
THIS VIDEO IS TEMPORARILY UNAVAILABLE.
PLEASE CHECK BACK LATER.
Increase Your Credit Score In 72 Hours
We will raise Just About Any Credit Score By As Much As 100 Points In Less Than 72 Hours!
Credit Analyzer and Rapid Rescore are 2 supplements to our professional credit system services.
Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.
Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!
Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.
Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!
Please navigate our website to learn more about us, what we do for you, and how easy it is to get started. Get started today by simply clicking the "Submit A Loan Application" link at the top of this page. We look forward to serving you!
Lending In the Following States:
Alabama, Alaska, Georgia, Indiana, Michigan, Missouri, Nebraska, New Mexico, Oklahoma, South Carolina, Texas
