At Topdot, we understand that not everyone has perfect credit. Life’s unexpected challenges can leave anyone with a record of bad credit, and it’s nothing to be ashamed of. What's important to remember is that bad credit does not have to stand in the way of your dreams of homeownership or of getting a new loan and bettering your situation.

Whether you are looking to purchase a new home, refinance your current mortgage or home equity loan, Topdot offers many flexible options that will not only give you the funds you need, but will also help you reestablish your credit. You’ll be on your way to a more financially secure future in no time.

Our flexible mortgage programs have helped thousands of people secure a manageable loan, including individuals with a past history of:

• Collections
• Foreclosures
• Bankruptcy
• Car repossessions
• Charge-offs
• Tax liens

The first step toward obtaining a mortgage and figuring out what type of mortgage programs you may qualify for is to have an idea of where you fall in the credit score scale.

What is a credit score?
Credit scores, sometimes known as *FICO® scores, assess the credit risk of an applicant. It is a compilation of your mortgage and credit card histories, outstanding debt, types of credit used, bankruptcies, collection accounts, late payments and judgments. It is a numerical calculation that helps lenders determine if you are a “good risk.” Credit scores generally fall between 300 and 900. Higher scores indicate lower risk to lenders and can mean a better interest rate and lower payments. Lenders obtain your credit scores from the credit bureaus Equifax, Experian, and Trans Union.