Can I buy a Home with bad credit in Cookeville, TN, Learn how to overcome credit hurdles and buy your new home

Mortgage and Lending with Van Dyk Mortgage NMLS:98535,Corp 3035

 Can I Buy a Home With Bad Credit  



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I talk to people every week  in Tennessee that want to buy a home, but are having much difficulty achieving their dream of home ownership due to problems with their credit history. It may have been a late house payment, car payment, student loans, medical bills and even more serious issues such collections and judgements. Cookeville home buyers have found that  these are all issues that can stand between someone and their desire to purchase their new home in Cookeville and Putnam County.


CLICK HERE to learn more about and how they can help Cookeville homebuyers overcome bad credit issue.

The good news for those that do have bad credit  is that your credit does not need to stay that way.  The Fair Credit Reporting Act as well as other consumer protection laws has made provisions for Cookeville consumers to challenge the information that is contained in their credit reports.  The law sets many standards that those who report information to the credit agencies, and the agencies themselves, must follow when the report a negative item on a consumers credit report.  

Many of the requirements set forth by the regulations are cumbersome and very difficult and expensive to follow.  It is because of this that many of those rules are often not followed, which leaves an opportunity for Cookeville consumers to challenge, not only the accuracy of the information reported, but the procedure the credit followed to report the negative item.  This means that people can and do see accurate items removed from their report because the rules and procedures for reporting were not followed.

If you are concerned that you may not be able to purchase your home in Cookeville and Putnam County due to bad or other credit issues, there may be something you can do to overcome that obstacle.  

You can visit  They specialize in helping consumers just like you raise their credit scores to a minimum of 640, which is the most common minimum score required by mortgage lenders.  However, unlike other credit repair companies, they offer a guarantee.  If they do not get your credit score up, they will refund your money.  At they understand that the reason you want good credit is so you can purchase your new home in Cookeville and Middle Tennessee, and they are committed to helping you do just that.


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Specializing in Government Home Loans.  FHA, VA and  USDA Rural Development


Alabama: License # 52935

Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, Hoover, Dothan, Decatur, Auburn, Gadseden, Florence, Bessemer, Madison, Prichard, Phenix City, Homewood, Vestavia Hills

Georgia: License # 36362

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Kentucky: License # MC305583

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Tennessee:  License # 108470

Bartlett, Bristol, Chattanooga, Clarksville, Cleveland, Collierville, Columbia, Cookeville, Crossville, Fairfield Glade, Franklin, Germantown, Goodlesttsville, Hendersonville, Jackson, Jamestown, Johnson City, Karns, Kingsport, Knoxville, Memphis, Morristown, Murfreesboro, Nashville, Oakridge, Smyrna, Spring City


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We offer VA Loans,  FHA Loans, USDA Loans, and more across Alabama, Louisiana, Texas and Tennessee


Bill McDonald NMLS # 95835

VanDyk Mortgage NMLS # 3035


Bill McDonald Mortgage Lender

157 Laurelwood Lane

Crossville, TN 38555

(865) 686-8711

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Brian Skaar
VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender - San Diego, CA
VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480

Nice post,  I think I may use this company to help my clients that are suffering a little difficulty as well. 

Thank you for sharing the info!

Apr 19, 2012 09:11 AM #1
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Bill McDonald

VA, USDA, FHA Government Loans - 865-686-8711
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