Banks won't loan you money if your credit is less than perfect. At Hardwire Mortgage, we do home loans for good people with less-than-perfect credit. You'll see that our programs are easier to qualify for, and our interest rates are competitive. Take a look at our loan process.

Why refinance?
Refinancing and consolidating your debt with an Hardwire loan can lower the total amount you pay out each month. You can even arrange to have extra cash. Here are some reasons you may want to think about:

• Consolidate your high-interest debt.
  Consolidate high-interest debt such as credit cards. Your overall monthly payments will be reduced and may even be tax deductible. *
• Get extra cash.
  Refinancing can give you extra cash for the things you've always wanted to do. Like taking that long-deserved vacation, or paying for a college education. It's your choice.
• Home Improvement Loans.
  Fix the roof, purchase new kitchen cabinets, or remodel to increase the value of your home.
• You'll get your money fast.
  And we can close your loan in days, not months.
• 24 hour preliminary approval.
  You'll know if you qualify in as little as one day.
• The care you want. The service you deserve.
  Your loan officer will take care of you through every step of the loan process - from application to approval.

Have other lenders turned you down?
Hardwire Mortgage looks beyond the numbers and credit reports. We regard you as an individual. After all, you're a homeowner. You've already shown you know what it takes to succeed. Even if others have turned you down, Hardwire wants to give you the respect and credit you deserve.

• Hard to prove income.
  We have home loans that don't require traditional income documentation.
• Too much existing debt.
  Conventional lenders will turn you down if they think you have too much debt. At Hardwire, our flexible lending standards let us look at you as an individual.
• Less-than-perfect credit.
  We specialize in debt consolidation even if your credit is not perfect. You're not alone. We can help.
• Bankruptcy or Foreclosure.
  Even if you've had a bankruptcy or foreclosure in the past, we'll work hard to help you get the cash you need.

* See your tax advisor for details.

Although your aggregate monthly debt payment may decrease, this loan may increase both your aggregate number of monthly debt payments and the aggregate amount paid by you over the term of the loan. Hardwire Mortgage Co., Inc. recommends you consult with a financial advisor before entering into any credit transaction to be secured by your home.

See our Loan Process »