Helps Americans With Very Poor Credit Obtain a Mortgage

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Borrowers get a second chance at home ownership through new loan programs offered by MCFI Mortgage.

Rejected by many banks and lenders, borrowers with a poor credit rating are finding it harder and harder to obtain a loan for the purchase of a home or to refinance their existing property. Mortgage Capital Finance & Investments (MCFI Mortgage), owners of, are gaining attention nationwide for providing borrowers with past bankruptcies, foreclosures, car repos, outstanding medical bills, or any type of negative credit history a second chance at home ownership.

There are many programs to choose from, such as obtaining a loan for 100% of the home’s value being only one day discharged from a bankruptcy. “I couldn’t believe I was able to refinance my property, get $35,000 cash, and lower my rate from 10% to 6.5%, even though I went through a bankruptcy just 2 months before applying for the mortgage,” said Carmen Ramos, 46, of Orlando, FL. Those facing a foreclosure can also find comfort in the fact they can refinance their home, and stop the bank from repossessing it, so long as a loan for 70% of the house’s value is enough to payoff their current loan and take out a new one. Many times, given a new opportunity, homeowners can catch up on their mortgage payments and stay current from that point on, or gain more time to place their house for sale so they don’t lose the precious equity in their homes.

Borrowers are required to write a letter explaining why their credit fell behind the first time, and how by obtaining this new loan, they will be better off than before. This is one of the main conditions for the client to qualify for their new loan.

Borrowers with no credit history whatsoever can also purchase a home. "We don't think that because someone prefers to buy everything cash and pay unnecessary interest for their debt, they should be penalized when they want to buy their home," says Javier Navarrete, 28, CEO of MCFI Mortgage. Loans for borrowers without a credit score start at 90% of the value of the home they are buying or refinancing. This program is also available for foreigners, so long as they have a working Visa to work in the United States.

Consumers with poor credit can quickly find out the type of loan they can qualify for. The turnaround time for a pre-approval is 24 hours or less. They can apply online at, or they can call toll free at 877-260-3799 and speak to a live loan officer.

Mortgage Capital Finance & Investments is a division of Confin Home Mortgage & Loans Corp and was established in 1993 in Miami, Florida.

Mortgage Capital Finance & Investments

5775 Blue Lagoon Drive #190

Miami, FL 33126

Telephone: 305-265-3799

Toll Free in the U.S: 877-260-3799

Fax : 305-265-3210


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Javier Navarrete
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