Colorado’s Best Mortgage Lenders & Current Mortgage Rates


If you’d like to buy a home near the Rocky Mountains, Colorado’s 2.4 million housing units provide a lot of options. Colorado has a homeownership rate of 65%, according to the U.S. Census Bureau’s 2018 American Community Survey.

The state’s median housing value is $373,300, which is well above the national average of $229,700. Home values vary by region, so homes in some Colorado counties reach as high as $623,400.

U.S. News’ Best Colorado Mortgage Lenders

U.S. News conducted an in-depth review of leading direct mortgage lenders. Research was based on program availability customer satisfaction ratings. Because each consumer has different needs, the top finishers in several key areas were chosen.

Chase

3% Min. Down Payment
620 Min. Credit Score

Lender

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3% Min. Down Payment
620 Min. Credit Score

Best for VA loans

Veterans United Home Loans provides mortgages to veterans military families in all 50 states Washington, D.C., specializes in VA loans.

Before You Apply

  • Mortgage types: VA, VA jumbo, refinance
  • Minimum FICO credit score: 640
  • Maximum loan amount: $1.5 million
  • Better Business Bureau rating: A+

Best Features

  • No down payment or PMI are required.

See full profile

Best for large loan amounts

Bank of America serves roughly 66 million customers in all 50 states. The lender offers conventional, Federal Housing Administration, Department of Veterans Affairs jumbo loans, as well as home equity lines of credit mortgage refinancing.

Before You Apply

  • Mortgage types: fixed rate, Affordable Loan Solution, FHA, VA, ARM, home equity line of credit, fixed-rate refinancing, FHA refinancing, VA refinancing, cash-out refinancing, adjustable-rate refinancing, jumbo
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Bank of America has a wide variety of mortgage products.

  • The lender offers origination fee discounts for qualifying Bank of America Merrill Lynch clients.

  • Home equity lines of credit have no annual, application or cash advance fees or closing costs.

  • Bank of America offers a first-time homebuyer program.

See full profile

Best for online service

Caliber Home Loans of Coppell, Texas, offers mortgage home equity products nationwide. Options include conventional, adjustable-rate, refinancing, Federal Housing Administration, U.S. Department of Agriculture Veterans Affairs loans. Caliber has been in business since 2008, is focused on home lending products.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, bond, renovation, Freddie Mac HomeOne, Freddie Mac Home Possible, Fannie Mae HomeReady
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A

Best Features

  • The first-time homebuyer program HomeOne can require a down payment of as little as 3% borrowers may qualify with a minimum 620 credit score.

  • Government-insured loans including Federal Housing Administration, Veterans Affairs, United States Department of Agriculture programs are available.

See full profile

Best for low costs

Chase, one of the nation’s largest banks, offers mortgages, refinance loans home equity loans for qualified borrowers.

Before You Apply

  • Mortgage types offered: conventional, ARM, conforming, FHA, DreaMaker, VA, jumbo, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Down payments as low as 3% are accepted.

  • Fixed- adjustable-rate mortgages are available.

See full profile

Best for product selection

Guild Mortgage, founded in 1960, specializes in home loans serves borrowers nationwide. The lender’s full suite of products includes conventional government-backed mortgages home renovation loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, renovation, jumbo
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • A broad range of mortgage products are offered.

  • Special mortgage programs for first-time buyers manufactured homebuyers are available.

See full profile

Best for digital mortgages

LoanDepot is an online lender operating in all 50 states with more than 200 in-person branches. The company was founded in 2010 is headquartered in Southern California. LoanDepot offers Federal Housing Administration Department of Veterans Affairs loans, as well as home equity refinancing loans.

Before You Apply

  • Mortgage types: refinance, jumbo, hybrid ARM, fixed rate, HARP, VA, FHA, 203k loan
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • LoanDepot mortgages have a lifetime guarantee, which means if you ever decide to refinance an existing LoanDepot loan, the company will waive the lender fees reimburse appraisal fees.

  • The company offers a variety of mortgage products.

  • It’s licensed in all 50 states.

See full profile

Best for digital customer care

PrimeLending is a Dallas-based mortgage lender with several mortgage loan options, including conventional loans, jumbo loans, government-backed loans refinance loans. The lender is a subsidiary of PlainsCapital Bank.

Before You Apply

  • Mortgage types: fixed rate, ARM, conventional, cash-out refinance, refinance, jumbo, FHA, VA, USDA, new construction, interest rate reduction refinance loan
  • Minimum FICO credit score: 640
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Homebuyers can choose from a variety of mortgage products.

  • Home loans are available nationwide.

  • Down payment closing cost assistance is available.

See full profile

Best for: Borrowers who want an online experience plus top-notch customer service

Quicken Loans is a nationwide mortgage lender with several mortgage options. Known for customer service, the lender has an A+ Better Business Bureau rating received a rating of five (among the best) in the 2018 U.S. Primary Mortgage Origination Satisfaction Study.

Highlights:

  • Mortgage types offered: ARM, FHA, VA, Refinancing (FHA), USDA, Conventional, Refinancing (conventional)
  • Minimum FICO credit score: 580 (FHA), other loans vary
  • Maximum debt-to-income ratio: 60%
  • J.D. Power satisfaction rating: Five out of five

Best Features

  • Complete loan process available online.

  • Wide variety of mortgage products.

  • Good customer service ratings.

See full profile

What Are the Mortgage Rates in Colorado?

The average interest rate for a 30-year fixed-rate conforming mortgage in Colorado is 2.88%.

Home interest rates range from 2.38% to 4% in Colorado.

What Are Today’s Mortgage Rates?

Locking in a low mortgage rate today can save you thousands over the life of your loan. Compare your mortgage rate offers with national average trends.

Mortgage Calculator

Is your dream home within reach? U.S. News’ mortgage calculator will show you how much house you can afford.

What Are Some Colorado Homebuyer Programs?

Colorado homebuyers can get mortgage access help with down payments closing costs from these programs.

  • Available to: Homebuyers using a Colorado Housing Finance Authority loan program.
  • Income limits: Vary by county (see CHFA income limits).
  • First-time homebuyers only?: No.
  • Loan options: 30-year fixed-rate mortgages.
  • Down payment closing cost assistance: Up to 3% of your first mortgage; no repayment is required.

  • Available to: Homebuyers using a CHFA loan program.
  • Income limits: Vary by county (see CHFA income limits).
  • First-time homebuyers only?: No.
  • Loan options: 30-year fixed-rate mortgages.
  • Down payment closing cost assistance: Up to 4% of your first mortgage. Repayment of loan balance is deferred until you pay off your first mortgage, sell or refinance the home.

Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.



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Best Travel Credit Cards of July 2021


Before signing up for a travel rewards credit card, make sure to assess whether you:

  • Travel frequently. If you don’t consistently spend on airfare, hotels or other travel expenses, consider a cash back credit card instead. These cards have easy redemption options, some of them don’t even have annual fees.
  • Have a good credit score. You have the best chances of being approved for a travel credit card if you have a FICO score of at least 670, which is at the bottom of the good FICO score range. The higher your score, the better your chances to get approved for the elite travel cards.
  • Pay off your balance each month. Because travel credit cards have higher-than-average APRs, you should only get a travel card if you can pay off your balance each month.

To find a travel card that meets your needs, evaluate each card using the following criteria:

  1. Pick the right rewards program for you.
  2. Calculate earning potential.
  3. Factor in sign-up bonuses.
  4. Calculate redemption value.
  5. Subtract annual fees.
  6. Understtravel benefits.
  7. Avoid foreign transaction fees.

1. Pick the right rewards program for you.

Your travel credit card will work either in conjunction with the loyalty program of an airline or hotel chain or with the issuer’s rewards program. Each program has unique terms conditions for earning, redeeming transferring points.

Loyalty airline programs

For some travelers, loyalty to any particular airline lasts only as long as that airline offers the cheapest flights. But frequent flyers might be willing to forgo initial cost savings in exchange for benefits later. Which airline program works best for you depends on how frequently you fly with the airline how much value you can get from your rewards.

Popular airline programs:

Loyalty hotel programs

As with airline cards, choosing a credit card from a hotel group you regularly patronize is likely to offer the best value for earning redeeming rewards.

Popular hotel rewards programs:

General travel rewards programs

Using a general travel credit card earns rewards that can be redeemed for a statement credit or through the issuer’s travel portal, or transferred to partners. Many of these programs also have redemption options for gift cards, experiences more.

Examples:

Which is the right choice?

If you’re loyal to a particular travel brwant to earn rewards take advantage of benefits with the brand, an airline or hotel card is the way to go.

But if you travel infrequently or with many different brands, or simply want more flexibility, a general travel card may be a better choice.

2. Calculate earning potential.

Travel cards earn rewards at different rates for spending in different categories, so you have to analyze your spending habits to determine which card will help you maximize your rewards value. A good travel card will have a range of purchases that qualify as travel spending, which may include flights, hotels car rentals.

Depending on the type of card, these purchases can earn two points per dollar or more. Other purchases may earn one point per dollar or more.

3. Factor in sign-up bonuses.

The most lucrative travel cards offer consumers bonus points for meeting a spending threshold within a few months of opening an account. These bonuses can be worth hundreds of dollars.

4. Calculate redemption value.

Every travel card has a rate at which points or miles are awarded. However, what those points are worth to you depends on redemption value as well as your preferences priorities.

For general travel cards, point valuation may be as simple as the number of points multiplied by the redemption rate, often a rate of 1 cent per point.

Awards travel with airlines or hotels is more complicated. The number of points or miles needed to book a flight or hotel room may fluctuate from card to card.

But airlines hotels frequently adjust the price of award travel based on award level, award availability, time, destination, fare or hotel class, demand, other factors. And rewards values aren’t consistent across all programs: You might be able to redeem a point or mile for a value of 3 cents with one program or less than 1 cent with another.

5. Subtract annual fees.

The average annual fee for travel credit cards is about $139, according to U.S. News research. Credit card companies sometimes entice new users by waiving the annual fee for the first year.

Once the fee kicks in, be sure you’re earning enough rewards or enjoying the other card benefits to compensate for it. Also, about a third of travel cards don’t carry an annual fee.

6. Understtravel benefits.

Travel benefits can be practical tools, discounted pricing or luxe perks. Common benefits include no foreign transaction fees, access to 24/7 concierge or customer service assistance, a free checked bag – sometimes a free checked bag for a travel companion – travel insurance.

The Chase Sapphire Preferred Card, for example, comes with trip cancellation interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement, 24/7 customer service more.

7. Avoid foreign transaction fees.

Many travel cards don’t charge a foreign transaction fee, which is typically 3% on every purchase in a foreign currency or country. Because these fees can be greater than any rewards you earn, frequent international travelers will want to make this card feature a top priority.



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Best Connecticut Mortgage Lenders


If you’re interested in buying a home in the Constitution State, you’re not alone. There are 1.5 million housing units a homeownership rate of 66% in Connecticut, according to the U.S. Census Bureau’s 2018 American Community Survey.

Connecticut’s median housing value is $277,400, which is well above the national median of $229,700. Home values can vary by region, however, with some counties’ median home prices climbing as high as $422,300.

U.S. News’ Best Connecticut Mortgage Lenders of 2021

The average interest rate for a 30-year fixed-rate conforming mortgage in Connecticut is 2.86%.

Home interest rates range from 2.38% to 3.5% in Connecticut.

PNC Bank

3% Min. Down Payment
Not disclosed Min. Credit Score

Chase

3% Min. Down Payment
620 Min. Credit Score

McGlone

5% Min. Down Payment
Not disclosed Min. Credit Score

Lender

Learn More
3% Min. Down Payment
Not disclosed Min. Credit Score

Lender

Learn More
3% Min. Down Payment
620 Min. Credit Score

Lender

Learn More
5% Min. Down Payment
Not disclosed Min. Credit Score

Best for bad credit

Carrington Mortgage Services makes a range of mortgages, including refinancing, available to borrowers nationwide. The company, which provides conventional government-backed mortgages, has funded $22 billion in home loans since 2011.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, Carrington Flexible Advantage, first-time buyers, refinancing
  • Minimum FICO credit score: 500
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Applicants with credit scores as low as 500 are accepted for some products.

  • Conventional loans are offered with down payments as low as 3%.

See full profile

Best for product availability

Fairway Independent Mortgage Corp. is based in Madison, Wisconsin, has funded billions of dollars in loans since the company began in 1996 – more than $58 billion in 2020 alone. The lender offers several mortgage products, including conventional, Federal Housing Administration, U.S. Department of Agriculture, U.S. Department of Veterans Affairs refinancing loans. Fairway Independent Mortgage also provides jumbo loans for home purchases in high-cost markets, renovation loans, adjustable-rate mortgages reverse mortgages. Fairway is an independent mortgage company serves as a mortgage broker direct lender.

Before You Apply

  • Mortgage types: fixed rate, ARM, conventional, USDA/Rural Development, FHA, VA, jumbo, refinance, renovation, reverse mortgage
  • Minimum FICO credit score: 580
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • The selection of mortgages includes VA USDA loans, which often have no down payment requirements.

  • The company has an A+ customer service rating with the Better Business Bureau.

  • Renovation loan options include the HomeStyle Renovation Loan, which combines the cost of remodeling the mortgage into one loan.

See full profile

Best for consumers with credit scores between poor good

NBKC Bank is a Kansas-based mortgage lender. It originates home loans in all 50 states.

Before You Apply

  • Mortgage types: conventional, fixed rate, ARM, FHA, refinance, VA, FHA Streamline Refinance, Refi Plus, VA Streamline Refinance
  • Minimum FICO credit score: 620
  • Maximum loan amount: Not disclosed
  • Better Business Bureau rating: A+

Best Features

  • Borrowers with fair credit may qualify.

  • It features a simple online application process.

  • VA loan borrowers aren’t charged lender fees.

See full profile

Best for product selection

Guild Mortgage, founded in 1960, specializes in home loans serves borrowers nationwide. The lender’s full suite of products includes conventional government-backed mortgages home renovation loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, renovation, jumbo
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • A broad range of mortgage products are offered.

  • Special mortgage programs for first-time buyers manufactured homebuyers are available.

See full profile

Best for VA loans

Veterans United Home Loans provides mortgages to veterans military families in all 50 states Washington, D.C., specializes in VA loans.

Before You Apply

  • Mortgage types: VA, VA jumbo, refinance
  • Minimum FICO credit score: 640
  • Maximum loan amount: $1.5 million
  • Better Business Bureau rating: A+

Best Features

  • No down payment or PMI are required.

See full profile

Best online bank for customer service

Ally Bank is a Detroit-based online bank. Ally offers traditional banking products services, such as conventional mortgages, as well as refinance loans jumbo home loans.

Before You Apply

  • Mortgage types: fixed rate, ARM, home equity loans, refinancing, HomeReady for first-time homebuyers
  • Minimum FICO credit score: 620
  • Maximum loan amount: $4 million
  • Better Business Bureau rating: A+

Best Features

  • A program is available for first-time homebuyers.

  • Existing Ally customers can get a closing cost discount.

See full profile

Best for large loan amounts

Bank of America serves roughly 66 million customers in all 50 states. The lender offers conventional, Federal Housing Administration, Department of Veterans Affairs jumbo loans, as well as home equity lines of credit mortgage refinancing.

Before You Apply

  • Mortgage types: fixed rate, Affordable Loan Solution, FHA, VA, ARM, home equity line of credit, fixed-rate refinancing, FHA refinancing, VA refinancing, cash-out refinancing, adjustable-rate refinancing, jumbo
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Bank of America has a wide variety of mortgage products.

  • The lender offers origination fee discounts for qualifying Bank of America Merrill Lynch clients.

  • Home equity lines of credit have no annual, application or cash advance fees or closing costs.

  • Bank of America offers a first-time homebuyer program.

See full profile

Best for low down payment

PNC Bank is one of the largest U.S. banks, serving more than 8 million customers in all 50 states. PNC offers most types of mortgages.

Before You Apply

  • Mortgage types: fixed rate, FHA, VA, USDA, ARM, home equity line of credit, refinancing, medical professional mortgage program, jumbo, PNC Community
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $5 million
  • Better Business Bureau rating: A+

Best Features

  • Multiple types of mortgages are available.

  • Some mortgage options require no or low down payments.

  • PNC supplies an online home ownership cost tool.

See full profile

Best for no down payment

Alliant Credit Union is a nonprofit financial cooperative. The credit union serves customers in all 50 states. Mortgage products include conventional, jumbo refinancing loans, home equity lines of credit.

Before You Apply

  • Mortgage types: Traditional, ARM, refinancing, home equity line of credit, Alliant Advantage Mortgage
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • No-down-payment mortgages are available for first-time homebuyers with excellent credit.

  • Mortgages are available to borrowers with FICO credit scores as low as 620.

See full profile

What Are the Mortgage Rates in Connecticut?

What Are Today’s Mortgage Rates?

Locking in a low mortgage rate today can save you thousands over the life of your loan. Compare your mortgage rate offers with national average trends.

Mortgage Calculator

Is your dream home within reach? U.S. News’ mortgage calculator will show you how much house you can afford.

What Are Some Connecticut Homebuyer Programs?

Connecticut homebuyers can get favorable mortgage interest rates help with down payments closing costs from these programs.

  • Available to: Low- moderate-income buyers who are buying their first home, haven’t owned a home in the past three years or are purchasing a home in a targeted area.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Benefit: Below-market interest rate.
  • Down payment closing cost assistance: A low-interest supplementary second mortgage loan of at least $3,000 to cover the down payment. Borrowers must show enough monthly income to pay both loans, but not enough savings to pay the down payment.

  • Available to: First-time homebuyers or buyers who haven’t owned a home in the past three years.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Benefit: No upfront mortgage insurance costs lower monthly mortgage insurance costs.
  • Down payment closing cost assistance: Borrowers may automatically qualify for a low-interest supplementary second mortgage of at least $3,000 to cover the down payment.

  • Available to: Those who qualify for a CHFA mortgage who have the monthly income to make mortgage payments, but not enough money to pay the upfront costs.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Down payment closing cost assistance: The DAP loan must be at least $3,000, but no more than the minimum down payment required for the home, usually between 3% 3.5%.

  • Available to: Veterans military service members as well as unmarried, surviving spouses or civil union partners of a veteran who died as a result of military service or service-connected disabilities. Borrowers must also be first-time homeowners, have not owned a home in the past three years or purchase in an area of the state targeted for revitalization.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Benefit: An additional 0.125% off already below-market interest rates for veterans or military service member loans.
  • Down payment closing cost assistance: The DAP loan must be at least $3,000, but no more than the minimum down payment required for your home, usually between 3% 3.5%.

  • Available to: Teachers with a valid Connecticut certificate currently employed in the state who meet employment or other eligibility requirements. Borrowers must also be first-time homeowners, have not owned a home in the past three years or purchase in an area of the state targeted for revitalization.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Benefit: Teachers get an additional 0.125% off already below-market interest rates.
  • Down payment closing cost assistance: The DAP loan must be at least $3,000, but no more than the minimum down payment required for your home, usually between 3% 3.5%.

  • Available to: Municipal police officers buying a home in the participating city or town where they work, or state police officers buying in any participating town. Borrowers must also be first-time homeowners, have not owned a home in the past three years or purchase in an area of the state targeted for revitalization.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Benefit: Police officers get an additional 0.125% off already below-market interest rates.
  • Down payment closing cost assistance: The DAP loan must be at least $3,000, but no more than the minimum down payment required for your home, usually between 3% 3.5%.

  • Available to: Borrowers with disabilities or those who will have someone with a documented disability living in their home. Borrowers must also be first-time homeowners, have not owned a home in the past three years or purchase in an area of the state targeted for revitalization.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Benefit: Lower interest rate.
  • Down payment closing cost assistance: The DAP loan must be at least $3,000, with interest rates as low as 1%.

  • Available to: Tenants of public housing or those who receive rental assistance. Residents of properties managed or financed by CHFA, subsidized by the U.S. Department of Housing Urban Development, or managed by a local housing authority also qualify.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Benefit: Lower interest rate.
  • Down payment closing cost assistance: The DAP loan must be at least $3,000, with interest rates as low as 1%.

View More Best Connecticut Mortgage Lenders

Best for online service

Caliber Home Loans of Coppell, Texas, offers mortgage home equity products nationwide. Options include conventional, adjustable-rate, refinancing, Federal Housing Administration, U.S. Department of Agriculture Veterans Affairs loans. Caliber has been in business since 2008, is focused on home lending products.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, bond, renovation, Freddie Mac HomeOne, Freddie Mac Home Possible, Fannie Mae HomeReady
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A

Best Features

  • The first-time homebuyer program HomeOne can require a down payment of as little as 3% borrowers may qualify with a minimum 620 credit score.

  • Government-insured loans including Federal Housing Administration, Veterans Affairs, United States Department of Agriculture programs are available.

See full profile

Best for product range

CMG Financial is a privately held mortgage banking firm operating nationwide with localized support, founded in 1993 based in San Ramon, California. The lender offers a range of products including conventional, government specialty mortgages, like jumbo loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, jumbo, All in One Loan, 203K Renovation Loan, Fannie Mae HomeReady, Freddie Mac Home Possible, HomeFundIt, refinance
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Exclusive mortgage products include the HomeFundIt for crowdfunding a down payment.

  • The lender has a national presence with regional fulfillment local support.

  • CMG Financial offers a mobile app.

See full profile

Best for low costs

Chase, one of the nation’s largest banks, offers mortgages, refinance loans home equity loans for qualified borrowers.

Before You Apply

  • Mortgage types offered: conventional, ARM, conforming, FHA, DreaMaker, VA, jumbo, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Down payments as low as 3% are accepted.

  • Fixed- adjustable-rate mortgages are available.

See full profile

Best for fair credit

Flagstar offers banking lending products in every state. Borrowers can select from conventional or government-backed mortgages, such as FHA, VA U.S. Department of Agriculture loans, opt for adjustable-rate mortgages. Other choices include home equity loans lines of credit.

Before You Apply

  • Mortgage types: conventional, VA, ARM, FHA, USDA, jumbo, refinance, home equity
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Flagstar Bank provides a broad selection of mortgages home equity loans.

  • Some mortgages require no or a low down payment.

  • Borrowers can apply for loans online.

See full profile

Best for digital mortgages

LoanDepot is an online lender operating in all 50 states with more than 200 in-person branches. The company was founded in 2010 is headquartered in Southern California. LoanDepot offers Federal Housing Administration Department of Veterans Affairs loans, as well as home equity refinancing loans.

Before You Apply

  • Mortgage types: refinance, jumbo, hybrid ARM, fixed rate, HARP, VA, FHA, 203k loan
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • LoanDepot mortgages have a lifetime guarantee, which means if you ever decide to refinance an existing LoanDepot loan, the company will waive the lender fees reimburse appraisal fees.

  • The company offers a variety of mortgage products.

  • It’s licensed in all 50 states.

See full profile

Best for digital customer care

PrimeLending is a Dallas-based mortgage lender with several mortgage loan options, including conventional loans, jumbo loans, government-backed loans refinance loans. The lender is a subsidiary of PlainsCapital Bank.

Before You Apply

  • Mortgage types: fixed rate, ARM, conventional, cash-out refinance, refinance, jumbo, FHA, VA, USDA, new construction, interest rate reduction refinance loan
  • Minimum FICO credit score: 640
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Homebuyers can choose from a variety of mortgage products.

  • Home loans are available nationwide.

  • Down payment closing cost assistance is available.

See full profile

Best for array of products

Founded in 1999, McGlone Mortgage Group is licensed in multiple states to offer purchase refinance home loans. Headquartered in Appleton, Wisconsin, McGlone Mortgage Group offers many different mortgage options.

Before You Apply

  • Mortgage types: conventional, jumbo, FHA, VA, USDA, HomeReady, High Balance/Super Conforming, Energy Efficient Mortgage, FHA
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • Varied loan options are available.

  • McGlone Mortgage Group offers mortgage calculators other tools.

  • Co-signers are allowed for most loans.

See full profile

Best for conventional mortgage

Citizens Bank is a regional bank based in Providence, Rhode Island. It offers traditional banking services products, including home loans mortgage refinance loans.

Before You Apply

  • Mortgage types: conventional, ARM, refinance, HELOC, jumbo, fixed rate
  • Minimum FICO credit score: undisclosed
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Citizens Bank provides a homebuying service with rewards for borrowers in select states.

  • Homebuyers can get an interest rate discount for qualifying automatic payments.

  • Borrowers can apply online.

See full profile

Best for government loans

Founded in 2008, PennyMac is a national mortgage lender with more than $402 billion in loans serviced. PennyMac offers a range of home loans, including conventional, Federal Housing Administration, Veterans Affairs investment property mortgages.

Before You Apply

  • Mortgage types: conventional, FHA, VA, ARM, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $765,600
  • Better Business Bureau rating: A+

Best Features

  • PennyMac accepts a 50% debt-to-income ratio for conventional loans in some instances.

  • Online capabilities include a 24/7 access center email status updates.

See full profile

Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.



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How to Find the Best Reverse Mortgage Lender


A reverse mortgage could allow you to access your home’s equity without selling or moving from your property. That could come in handy if you need help with retirement expenses, but you could deplete the equity in your home. It’s important to understhow reverse mortgages work before signing up, as some types of reverse mortgages have downsides.

  • How does a reverse mortgage work?
  • Is a reverse mortgage a good idea?
  • What will a reverse mortgage cost?

How Does a Reverse Mortgage Work?

A reverse mortgage borrows against your home’s equity. They’re available to seniors who hold equity in their homes. You’ll get cash out, but don’t have to sell your home. Reverse mortgages don’t have to be paid back as long as you continue to live in your home.

The mortgage loan is due when you move out, sell your home or pass away. If you or your heirs want to keep the property after that, you’ll have to pay the loan balance. Otherwise, the reverse mortgage lender will keep the home to settle the debt.

Who Is Eligible for a Reverse Mortgage?

Eligibility requirements can vary depending on the type of loan the lender. Home equity conversion mortgages, or HECMs, have the following requirements:

  • You must be at least 62.
  • The property must be your primary residence.
  • Your home must be paid off or have a low mortgage balance.
  • You must be able to afford future housing costs.
  • You must have no delinquent federal debt.
  • You must satisfy property requirements, such as a single-family home or multi-family home you live in.
  • Meet with a Department of Housing Urban Development-approved counselor.

If you are married, you your spouse should both be listed as co-borrowers on the reverse mortgage loan so that if one spouse dies or has to move out for medical reasons, the other can continue living in the property receiving money from the reverse mortgage.

What Are the Types of Reverse Mortgage Loans?

There are three major types of reverse mortgage loans: home equity conversion mortgage, proprietary reverse mortgage single-purpose reverse mortgage.

Home Equity Conversion Mortgage

The home equity conversion mortgage is the most common type of reverse mortgage funding. These loans are insured by the U.S. government through the Federal Housing Administration, or FHA, a branch of HUD. If the amount you owe from the reverse mortgage grows to exceed the home value, the FHA will assume most or all of the loss.

You will pay a mortgage insurance premium to cover the potential for this type of loss, but it can be financed into the cost of your loan. The FHA limits the origination servicing fees charged by reverse mortgage lenders for these loans. HECMs make sense for most properties valued at less than $1 million, says Peter H. Bell, CEO of the National Reverse Mortgage Lenders Association.

Proprietary Reverse Mortgage

Proprietary reverse mortgages are similar to HECMs, but they do not offer a government guarantee. They have fewer restrictions, the lender could loosen eligibility requirements, such as eliminating the financial review with a HUD counselor. A proprietary reverse mortgage can be a jumbo reverse mortgage, which is a loan that exceeds HECM loan limits, so this can be a good option if you have a high-value property. But fees may be higher than an HECM.

The right reverse mortgage option depends on which programs you qualify for. “Proprietary loans are not available in every area,” Bell points out. “On the other hand, some properties do not qualify for an HECM reverse mortgage, like a condominium that doesn’t meet the FHA standards.”

An HECM for purchase can be used to buy a new home for your primary residence. You enter into a contract to buy your home, pay a down payment, then finance the balance of the purchase with the reverse mortgage rather than paying cash or using a first-lien mortgage. The new home can’t be a vacation home or an investment property.

This strategy lets you complete everything in one transaction, you will not owe monthly mortgage payments for your new home. Many seniors use an HECM for purchase to downsize or move closer to family members.

Single-Purpose Reverse Mortgage

With a single-purpose reverse mortgage, the lender restricts how you can use the money from a reverse mortgage. For example, you may not use the money to pay property taxes or to make home repairs. These reverse mortgages are typically the least expensive option, but they are limited in availability. Some state local governments nonprofits offer them, they are typically for low- moderate-income borrowers who may not be able to qualify for other types of reverse mortgages.

Is a Reverse Mortgage a Good Idea?

Access to home equity: With a reverse mortgage, you tap home equity without selling your home. These funds can offer extra money during retirement to pay off debt, maintain your lifestyle handle surprise expenses.

No monthly mortgage payments: Like a reverse mortgage, a home equity loan borrows against your home’s equity. But with a home equity loan, you’ll make monthly payments. A reverse mortgage only needs to be repaid when you sell your house, move out or pass away, it is typically paid for with the money from the sale of your home.

Maintain ownership of your home: A reverse mortgage lender doesn’t receive the title or the right to sell your house, so long as you keep up with the housing costs, including property taxes homeowners insurance. The house remains yours until you move out or pass away. Even if you move out, you still have the option to pay off the loan to keep the property.

“With a reverse mortgage, people take their home equity turn it into a flexible source of money,” Bell says. “This gives them more options during retirement. For example, when they need money, they can borrow through their line of credit rather than being forced to sell a stock that’s paying a nice dividend.”

Social Security Medicare unaffected: When you receive money from a reverse mortgage, it counts as a loan, not as income. As a result, your Social Security Medicare will not be affected.

What’s the Downside to Reverse Mortgages?

Despite their benefits, reverse mortgage loans erode your home equity incur interest fees like any other loan. Consider these drawbacks of reverse mortgages, below.

Fees: Reverse mortgage lenders charge a number of fees to close on maintain a reverse mortgage. While you don’t have to pay the majority of fees until you leave your home, you could receive less money overall than if you had sold the home outright.

Interest: The reverse mortgage company will charge interest on what you borrow. It doesn’t have to be paid as long as you’re still living there, but it reduces your home equity – or what you’d receive when you sell your home.

Loan repayment: Your reverse mortgage loan must eventually be repaid. It’s due if you move out, sell the home or pass away. If you decide to downsize or move to a retirement community, you’d have to pay off your reverse mortgage – typically by selling the home.

Additional housing costs: While you don’t have to make loan payments on a reverse mortgage, you still need to cover other housing costs, such as property taxes, homeowners insurance, home repairs association dues. If you fail to make these payments, the reverse mortgage lender could foreclose on your home.

However, Bell notes that this concern is not unique to reverse mortgages: “If you don’t pay your property taxes, you could eventually lose your home in any situation.”

Smaller inheritance: A reverse mortgage could reduce the inheritance for your heirs, as it reduces the equity in your home. If your heirs sell your home after your death, proceeds from the sale of the home will be used to pay off the loan, then they will receive any remaining proceeds. If they want to keep your property, they will need to pay off the loan first.

“We often have clients that decide not to proceed with a reverse loan because they’re worried they won’t leave as much of an inheritance,” says Andrina Valdes, executive sales leader COO at Cornerstone Home Lending. “We also counsel clients to think about discussing with their potential heirs before moving forward.”

How Much Can You Borrow on a Reverse Mortgage?

When you take out a reverse mortgage, the lender will let you borrow a percentage of your home equity. A reverse mortgage typically lets you borrow up to 60% of your home equity, but the actual amount you take out depends on a few factors, including:

  • Your age.
  • Appraised home value.
  • Current interest rates.
  • Type of reverse mortgage.
  • Your financial situation.

When you qualify for a reverse mortgage, you can choose to receive your money in the following ways:

  • Single disbursement: a lump-sum payout.
  • Tenure: monthly payments while you live in the home.
  • Term: monthly payments over a fixed amount of time.
  • Line of credit: an open line of credit that you can access when needed.
  • Combination: combines a line of credit with term or tenure payments.
  • Purchase: A lump-sum payout for buying a new property.

What Will a Reverse Mortgage Cost?

Reverse mortgage companies charge upfront fees to set up your loan as well as ongoing expenses. Fees will vary depending on the type of reverse mortgage you obtain, but you can expect these fees with an HECM:

You’ll pay these fees at or before closing.

  • Appraisal.
  • Closing costs.
  • Origination fees.
  • Initial mortgage insurance premium.
  • Points (optional for a lower interest rate).

Expect these fees for the life of the loan.

Loan interest: Reverse mortgages charge fixed or adjustable interest rates. A fixed rate stays the same over the entire reverse mortgage. An adjustable rate can change over time based on a market index. Your reverse mortgage will list how often the rate can change.

Valdes recommends that you research all the possibilities for loans. “Adjustable-rate mortgages often scare people, but the ARM features in an HECM can create more options let the borrower use their equity more wisely,” she says. “A well-informed borrower makes better decisions.”

Mortgage insurance: You will continue paying mortgage insurance to the FHA for guaranteeing your loan, an annual MIP of 0.5% of the outstanding mortgage balance. This is added to your outstanding loan balance, so you don’t have to pay for the mortgage insurance while you’re still living in your home.

Servicing fee: The lender can charge a monthly servicing fee for managing your loan. The maximum monthly servicing fee is $30 for fixed- or adjustable-rate loans that reset annually, $35 for adjustable-rate loans that reset monthly.

How Can You Compare Reverse Mortgage Lenders?

Choose the best reverse mortgage for your needs between competing reverse mortgage companies by considering these factors:

  • Loan types.
  • Costs.
  • Customer service ratings reviews.

Shop reverse mortgage companies to find out which loan options they offer. For example, if you want an adjustable-rate line of credit, a lender that is limited to fixed-rate lump sum or tenure payments won’t be a good fit for you.

Compare reverse mortgage offers by getting rate quotes identifying the reverse mortgage company with the lowest interest rates fees. Be aware there’s some give take so look at the bottom line as you compare reverse mortgage lenders.

“Often, the difference between lenders is where they put the costs,” Bell says. “Lenders that charge a lower interest rate are usually charging more upfront, while low-cost lenders may charge a higher interest rate. The right choice depends on when you want to pay: upfront or over the course of the loan.”

Consider how a reverse mortgage lender rates in customer satisfaction. Read lender reviews check with the Better Business Bureau to see whether a lender has any complaints or comments from other borrowers.

Bell recommends that you use lenders who are members of the National Reverse Mortgage Lenders Association. “Our lenders have to follow a code of ethics for how they treat their customers. If a customer ever has an issue with a lender on our list, they can reach out to us we can help resolve the dispute,” he says.

Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.



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Best Business Loans for Bad Credit of 2021


If you have a checkered credit history, traditional banks or credit unions may be unwilling to approve a business loan. Luckily, alternative lenders, which provide options outside of conventional banks, offer small-business loans if you have a bad credit score.

Some of these lenders set no minimum credit score requirements consider factors such as revenue or time in business for approval.

When you know how bad credit small-business loans work, you can find the best bad-credit business loan to start or expyour small business. What you’ll learn here:

  • What is bad credit?
  • Can you get a business loan with bad credit?
  • How can you get a small-business loan?

What Are the Best Bad Credit Small-Business Loans of 2020?

U.S. News conducted an in-depth review of the leading bad credit small-business loan companies, researching key factors, including customer service ratings, qualification requirements loan options.

Best for bad credit

Established in 2013, BlueVine has delivered more than $9 billion in financing to more than 200,000 customers. The entrepreneurial lender focuses on small businesses, offering business lines of credit up to $250,000 invoice factoring with credit lines up to $5 million. BlueVine also offers an online vendor bill payments program business checking accounts. The lender serves borrowers across the country has three brick-and-mortar locations in Redwood City, California; Gretna, Louisiana; Jersey City, New Jersey.

Lender Highlights

  • Loan types: invoice factoring, lines of credit, term loans
  • Minimum FICO credit score: 530
  • Maximum loan amount: $5 million
  • Better Business Bureau rating: A+

Best Features

  • Invoice factoring credit lines as large as $5 million

  • Disbursement within 24 hours

See full profile

Best for loan options

Biz2Credit was founded in 2007 as a platform to match small businesses with funding based on their needs by connecting borrowers with lenders that offer a range of loan credit options. The platform has arranged more than $3 billion in small business funding for thousands of U.S. companies.

Lender Highlights

  • Loan types: lines of credit, merchant cash advances
  • Minimum FICO credit score: undisclosed
  • Maximum loan amount: $5 million
  • Better Business Bureau rating: A+

Best Features

  • Loans come from a network of financial institutions

  • Borrowers matched with loan options

See full profile

Best for short loan terms

OnDeck is an online lender providing small businesses with term loans lines of credit. The company has extended $13 billion in loans using data analytics digital technology to assess the creditworthiness of borrowers.

Lender Highlights

  • Loan types: lines of credit, term loans
  • Minimum FICO credit score: undisclosed
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • Term loans lines of credit

  • Loans of up to $2 million

See full profile

Best for product availability

Rapid Finance offers lines of credit, merchant cash advances Small Business Administration bridge loans from $5,000 to $1 million. Approval in 24 hours is available, with one-day disbursement.

Lender Highlights

  • Loan types: bridge loans, invoice factoring, lines of credit, merchant cash advances, term loans
  • Minimum FICO credit score: undisclosed
  • Maximum loan amount: $1 million
  • Better Business Bureau rating: A+

Best Features

  • Loans charge monthly fee instead of annual percentage rate

  • Smallest loan amount is $5,000

See full profile

What Is Bad Credit?

Bad credit is a FICO score that falls below 670, which is a fair or poor credit score. You typically need a FICO score of at least 530 to qualify for a bad credit business loan, but you could get better terms with a good credit score of 670 or higher.

Bad credit business loans are generally aimed at business owners with low credit scores.

Not only your personal credit score but also your business credit score may be a factor in whether you get a loan, particularly from traditional lenders.

As with personal credit scores, business credit scores have distinct scoring ranges interpretations. Your business credit score reflects your payment history on accounts associated with your business.

However, your personal credit will be used exclusively to measure the risk of a loan if your business has no credit history, as with a startup.

Can You Get a Small-Business Loan With Bad Credit?

Small-business owners with low credit scores will find limited options for small-business loans, especially from traditional lenders.

Approval for a small-business loan can be tricky because it factors in not only credit history but also cash flow collateral, says Jay DesMarteau, head of commercial distribution at TD Bank. The bottom line is that approval is always easier when applicants have strong credit steady revenue.

“When a business owner has poor or unsteady cash flow, banks lenders often focus more on the company’s documented financial history assets,” DesMarteau says. “Those with poor credit scores may struggle with their loan approval.”

What Small-Business Financing Can You Get With Bad Credit?

Small-business loans come in many forms, some are easier to qualify for than others. Alternative lenders, including online lenders, may offer bad credit small-business loans that are more accessible than loans from traditional lenders.

Alternative lending refers to the broad range of loans for consumers business owners made outside of traditional financial institutions. Alternative lenders fill a gap left by risk-averse banks that may turn away certain borrowers – especially as many traditional lenders tighten credit standards in the wake of the coronavirus pandemic.

Usually, alternative lenders make loans online may not have brick-and-mortar branches like many traditional banks.

Alternative lenders traditional lenders specializing in bad credit provide these types of loans for small businesses:

Term loans are lump sums of cash you borrow from banks pay back, with fees, over a certain period of time. You can choose from secured or unsecured business loans, but secured business loans require collateral, such as equipment. Unsecured business loans primarily rely on your credit but may need a personal guarantee.

Business lines of credit are similar to business credit cards can help when you’re in a cash flow crunch. With a business line of credit, a lender approves you for a pool of funds, also known as a revolving line of credit.

Just like a business credit card, a business line of credit has a credit limit, which is the maximum amount you can borrow. You will pay interest only on the portion of money that you borrow from your business line of credit.

With equipment loans, lenders typically finance 80% to 100% of the cost of your equipment. The equipment acts as collateral for the loan. Alternative lenders may be more likely than traditional lenders to offer equipment loans to small businesses with poor credit.

Invoice Financing or Factoring

If your small business struggles with cash flow issues because customers do not pay their balances in full, invoice financing – or invoice factoring, which is closely related – is an option.

With invoice financing, you sell your invoices to a lender at a discount receive an advance on them. The lender pays you most of the amount owed on the invoices upfront keeps a portion – usually 20% – until the invoices are paid.

Invoice financing can be a risky choice. Borrowers pay a factoring fee based on a percentage of the invoice, plus interest charged on the cash advance until it is paid off.

The fees can quickly add up, with invoice factoring, you hcontrol of the invoices collections to a factoring company. You’ll need to carefully weigh the pros cons before choosing invoice financing or factoring.

A merchant cash advance, or MCA, is an advance on your firm’s future sales can deliver quick access to capital. You’ll often repay the advance as a percentage of your daily credit card debit card receipts, plus fees.

Lower-risk borrowers will have lower fees more favorable borrowing terms than higher-risk borrowers. Still, a merchant cash advance is often a poor choice for a business.

Beware the long-term financial implications of using merchant cash advances.

“It’s almost like a drug,” says Kevin Monahan, area director for the Florida Small Business Development Center at the University of North Florida. “Small-business owners need the money desperately, resort to paying high interest rates, find themselves with less less money.”

How Can You Get a Small-Business Loan?

Getting a business loan means preparing a solid application, especially when you have bad credit. Before you apply for a small-business loan, take these steps to boost your odds of approval:

  • Improve your personal credit. Present your personal finances as attractively as possible, recommends S. Michael Sury, lecturer in finance in the McCombs School of Business at the University of Texas at Austin. If you have a bad personal credit score, you can get a higher credit score by making on-time payments, dealing with delinquencies paying down balances when possible. Dispute fix errors, such as incorrect balances.
  • Build your business credit score. If you want to establish a business credit history, consider opening small-business credit products, such as a business credit card or line of credit. If you need to improve your business credit score instead, the steps are similar to how you would rebuild your personal credit score, explains Rod Griffin, senior director of public education advocacy for Experian, one of the three major consumer credit bureaus. Catch up on any late loan payments, make sure your vendors are paid on time to give your business a higher credit score.
  • Write a solid business plan. Sury recommends a well-thought-out business plan with a mission strategy to boost your odds of securing financing. Your business plan should include projected financial statements. If you have a strong management team, you can highlight its background, experience creditworthiness, Sury says.
  • Find other ways to boost your creditworthiness. If you have a bad credit score, you can improve it by asking for reference letters indicating timely payments from personal business creditors as well as vendors.

When you’re ready to start a business loan application, make sure you can answer these questions:

  • Why do you need this loan?
  • How do you plan to use the loan proceeds?
  • What collateral, such as business equipment or other assets, will you pledge?
  • Has your business applied for other loans?

You will likely need to provide personal information, such as your Social Security number, home address phone number, along with your resume. Any sound loan program will also require your business personal financials legal documents, such as articles of incorporation.
For in-depth information on the business loan application process, read the U.S. News Small-Business Loans guide.

How Can You Choose a Loan?

When choosing a lender for your small business, pay close attention to the lender’s:

  • Loan options
  • Eligibility requirements
  • Costs
  • Customer service

Keeping these factors in mind will help you find a lender with a better chance of approving your loan offering you the best possible terms costs.

Applying for a loan that you don’t qualify for doesn’t make sense. Find out what a lender expects as a baseline for approval before you apply.

Ask about these other factors:

  • Minimum personal credit score
  • Minimum years in business
  • Minimum annual revenue

Look for a lender that provides the type of loan you need, such as a business line of credit, invoice financing or term loan.

Also, check that loan limits terms are in line with your needs. If you require a $250,000 loan with a seven-year repayment term, you won’t want to apply with a lender that makes only small, short-term business loans.

Seek a lender with the lowest costs, including:

  • Annual percentage rate, or APR
  • Down payment
  • Factor rate
  • Origination fee
  • Underwriting fees
  • Closing costs
  • Additional fees

Read lender reviews to find out how businesses rate the products the customer service each lender offers.

Two good review sources for alternative lenders are Trustpilot, which rates companies based on an aggregate of customer reviews, the Better Business Bureau.

What Can You Do if You’re Denied a Small-Business Loan?

If you aren’t approved for a small-business loan or can’t secure enough financing because of poor credit, you have a few options:

  • Lower the loan amount. You may need to work with less financing than you had anticipated, explains P. Simon Mahler, a business mentor with SCORE, a nonprofit that offers free mentorship education to small businesses. Reassess your business plan look for areas where you can reduce expenses.
  • Add business partners. This move can strengthen the creditworthiness of your business, as lenders may consider the total personal income collateral of all owners.
  • Seek creative funding. Think about asking friends, family members, private investors potential customers to invest in your business. You can seek funding through a crowdfunding campaign using Indiegogo, Kickstarter or GoFundMe.

Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.



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