Bad Credit 
Mortgage Services

New Homeowner

Evaluate your creditworthiness prior to your banker or preferred lender pulling your credit report. 

Refinancing Loans

We potentially get you the scores you need required by financing lenders so you can enjoy lower interest rates.

Home Equity

Evaluate your credit prior to your home equity application to identify potential trouble spots. 

Do You Want to Buy Your First Home?

Do you Need a Refinance Loan?

Do you Dream of a Better Way to Live But Don’t Know How Because of Bad Credit?

How would you like to qualify for a mortgage with a credit score you can be proud of to secure the home or mortgage rate of your dreams? We’ve achieved it with others, so why not you too?

 Ipsan West Bad Credit Mortgage Services Helps You

  Qualify for a mortgage by raising your credit score

  Choose a loan from your preferred lender or broker 

  Learn strategies to enhance mortgage approval

  With mortgage credit underwriting


Vector of man buying house for the first time.

Dollars in Loans Approved



I just got in a approval for a mortgage loan up to 400,000 and just got a new Honda Accord. I went to my bank and a friend told about BIll in ipsan west that he could help me reinstate my credit back. best call I had EVER MADE. Bill did the greatest job that anybody could do. It was nice simple experience and I was impress at how quick he was.

Marco V. / Rancho Cucamonga, CA

I really can’t thank Bill enough. He is the reason why I was able to purchase my first home!!! He helped us every step of the way on optimizing our credit situation and gave us a great education on certain tips and tricks. I strongly encourage everyone to connect with Bill and his team to help you out on your credit score!!! He is fair and offers great payment plans too! Thank you again for the help sir. You are a life saver!!!

David P. / San Diego, CA

Thanks to the Ipsan West team, my score jumped from 540 to 743!!! Happy to say I am in escrow on my first home because of their hard work. These guys changed my life for the better.

Sandra S.. / Verona, CA

New Homeowner Bad Credit Mortage Services

56% of consumers have a low credit score that disqualifies them from prime interest rates.

—Corporation for Enterprise Development 

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  • Pay lower interest rates
  • Improve your credit utilization
  • Consider loan options
  • Pay down debt
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  • Remove negative items
  • Increase credit limits
  • Remove collections paid
  • Follow our advice
Happy young family couple embracing, just bought new house with no initial credit.


  • Utilize manual underwriting
  • Open credit cards
  • Unique special programs
  • Available government programs

The word “bad” can cause people to think that they cannot be approved for a mortgage with a low credit rating.

This is not true.

You can get a mortgage with bad credit, but you can get a better mortgage with a better credit score. And that’s precisely what we can do for you through our 4 Pillar Process.

Generally, a credit score below 670 is considered a low credit rating. And if your credit is bad, you will most likely qualify for a higher interest rate, and the terms and conditions may not be as favorable as if you had good credit.

Should you have a low credit score, we can help you obtain credit approval through specific strategies and procedures. We also provide you the opportunity to rebuild your credit rating quickly.

If you take action now to improve your credit, you could see yourself in a new home quicker than you think.

I have used his services personally and in very short order was able to enable us to purchase our home.  We then sold it for a profit.  So I could then draw a straight line from our credit to our profit and Bill and his team are definitely a major reason for it all going down.

I have forwarded his contact many, many times.  Not once have I had someone tell me they were unhappy.  

He is also hands down trust-worthy.  I had deposited money in the trust account and without me even being aware, he was so honest that he returned the money since he did not use it.  Truthfully, I would not have known if he needed it or not.  I took him at his word and it was worth it.

Ricky P. / San Pedro, CA

Bill and his team are wonderful to work with for credit repair.  Because of Bill’s help I was able to get 20k, 30k and 75k credit lines and a reduction on my mortgage. Thank you Bill and team!

Christina R. / Town and Country, MO

I can not express my gratitude and appreciation from Ispan West and his team. I struggled year after year attempting to clean up my credit so I might one day purchase a home a start a family. Having this dreaded cloud of debt and collections put a strong stop to that dream. I’ve had Lexington Law for years and the most I gotten were a few removals, but in just a matter of months I’ve received double that plus deletions!!! I couldn’t be more ecstatic and hopeful to attaining our first home and finally settling down. Thank you so much Ispan West to you and your team. Great job, aloha

F.C. J. / Mililani, HI

Refinancing Bad Credit Mortgage Services

Mortgage applications are surging since March 2020 when the Fed slashed
interest rates in response to the coronavirus pandemic.

—Mortgage Banking Association 

Side view of cropped man working on credit score report.


  • Use funds for savings
  • Use funds to pay down debt
  • Use funds for vacation
  • Use funds for donations
Happy man seeing his latest credit score report.


  • Review derogatory items 
  • Pay down credit cards
  • Request higher credit lines
  • Pay on time
Cheerful excited mature female financier smiling while loan officer using calculator.


  • Refinance to conventional loan
  • Save money
  • Pay off mortgage quicker
  • Increase home equity

In this modern time of economic instability, homeowners are faced with the problem of how to get approved for a refinance on their existing home loans. The fact is, when the economy is down, the lending institutions are willing to give borrowers lower interest rates and longer repayment terms.

But when the economy is up, the lending institutions are not interested in giving away generous concessions. So, what does one do? A person with a good credit score and a steady job can now apply for a refinance on his existing home loan without fearing his personal finances. Here are some tips that will help you.

To renegotiate a home loan when you have terrible credit, it’s ideal to think about your alternatives. However, it could mean moneylenders are less inclined to offer you a serious financing cost. There are a few approaches for borrowers with lower FICO assessments that we can help with.

What Credit Score Do You Need to Refinance a Mortgage?

Credit prerequisites shift by moneylender and type of home loan. You’ll need a FICO assessment of 620 or higher for a traditional home loan to renegotiate. As is valid for different advances, the higher your FICO assessment, the more probable a home loan renegotiate bank will work with you. Not exclusively are your odds of endorsement higher. However, you’ll typically get a lower financing cost and more great credit terms than qualifying borrowers with lower scores.

Past FICO assessment is also worth assessing whether you have the assets to pay the end expenses and charges related to renegotiating, including any prepayment penalties your unique loan specialist may charge. You’ll regularly require in any event 20% value in your property to renegotiate, as well, which means you’ve made enough progress on your home loan to possess a bit of the home.

I have so much gratitude toward Ipsan West for helping me fix my credit. With their assistance, I had the option to buy a home inside a half year. I’m so THANKFUL!!!

Yvonne S. / Dallas, TX

My significant other and I have been working with Bill since February 2020. We will probably have the option to buy a home quite soon, and I’m positive it will occur. In only two or three months we’ve seen huge improvement in our reports. Numerous old/negative records have just been erased, which has made our scores go up. I’m seeing only extraordinary outcomes, working with Ispan West. We will keep on working with them!

Kathy O. / Aurora, CO

Great staff and did wonders to fix my credit. I couldn’t believe how fast I was able to buy that dream home I always wanted. Thanks for your help!

Andy B. / Atlanta, GA

Home Equity Bad Credit Mortgage Services

U.S. homeowners with mortgages have seen their equity increase by a total of nearly
$590B since the first quarter of 2019, an increase of 6.5%, year over year.


Asian man stacking coins next to model house for home equity loan concept.


  • Get approved
  • Get higher credit line
  • Use extra funds for investments
  • Lower interest rates
Businesswoman working outside office building .


  • Not all lenders are created the same
  • We know the lending landscape
  • Get the best rates
  • We support the lender community
Woman looking for alternatives to home equity loan.


  • Cash-out refinance
  • FHA streamline refinance 
  • VA streamline refinance
  • Invest in opportunity zones

Many people are surprised to learn how easy it is to use home equity with a bad credit score, but you will pay higher interest rates.

You do not need to be entirely out of debt to take advantage of the benefits of a home equity loan. In fact, if you have a bad credit rating, many lenders will actually offer you better interest rates than if you had no credit at all. Even if you have a poor credit history, you can still get the home equity loan you need if you prepare beforehand.

What is a Home Equity Loan?

A home equity line of credit is a form of loan where the borrower uses the home equity as security. The loan amount depends on the home’s equity, and the equity in the house is determined through an appraiser by a lending institution.

Use the Right Lender, Banker, or Broker

Take the extra time to find a lender that will work with you. While many lenders are willing to loan you money with bad credit, it is essential to know which companies are reputable and which ones are not. Choose the lender you feel comfortable with because finding the right lender can walk you through the sometimes perilous process.

Purposes of Home Equity Loans

Why would somebody take out a home equity loan? The answer has a lot to do with their financial situation. A credit line can be used to finance a home improvement project, for vacation, for debt consolidation, or for anything else that you can imagine, but it sometimes comes at a risk.

I need CREDIT REPAIR as a . . .

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Business Owner

Is your credit limiting your business growth?

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Personal Credit Repair

Bad credit standing in your way and holding you down?

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Finance Professional

Clients’ bad credit preventing closings and transactions?

Ready For a Life-Changing Experience? Let’s Do This!

Call (619) 794-0278 to Start Your Credit Evaluation Today.

Contact us for a FREE Consultation

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© SAN DIEGO CREDIT REPAIR. All rights reserved.

DISCLAIMERFINANCIAL, LEGAL & TAX NOTICE: Ipsan West (IW) does not provide tax, legal, or financial advice. Please consult a licensed attorney, CPA, or financial adviser for these types of professional services.

TEXAS BASED BUSINESS: Ipsan West is a Texas based company that does business nationwide. 

EXPERIENCE BASED COMMENTS:Be advised that all comments regarding our services are based upon individual experience, observations, and opinions. They do not represent any guarantees or promises.

INACCURATE, UNVERIFIABLE OR UNAUTHORIZED INFORMATION: IP is in the business of educating and assisting others in removing inaccurate, unverifiable, or legally unauthorized information. 

INDIVIDUAL RESULTS VARY: Every business and individual has different credit issues, creating different results for other people. One client’s success does not guarantee success for all clients.

WEBSITE ADVERTISING: Some offers that appear on this website are from advertisers from which we receive compensation. This compensation may impact how and where offers appear on the site.

EDITORIAL CONTENT:  Editorial content on this site has not been reviewed or approved by any advertising partner.