Applying for loans used to come down to a simple case of having a good enough income to make the repayments. Bad credit was something that damaged approval chances due to the increase of risk applicants posed. But now, bad credit does not have such a negative impact, with mortgage loans for people with bad credit commonly available.
Despite the increased risk, applying for mortgage loans is possible because there are lenders who specialize in such financial issues and offset risks these loans come with. Even though this may mean higher interest rates being paid.
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