Credit and First Time Home Buyers

We have a variety of good and bad credit first time mortgage loans to suit your needs. We can walk you through all the necessary steps with ease, even if you need a mortgage loan with no money down. We can find the right program for everyone, even a bad credit mortgage.

Are you a first time home buyer but have bad credit or past bankruptcy? If so, we are the right choice in getting your first time homeowner mortgage approved! Through our lending partnership's Mortgage Galaxy can help you find a mortgage that best suits you, even if you need a mortgage loan with no money down.

Mortgage Galaxy specializes in obtaining mortgages for deserving people like you. We are connected to many wholesale lenders offering hundreds of different first time buyer mortgage products! We can find the right program for anyone.

What other advantages does Mortgage Galaxy offer? Here are only a few:

The fastest, easiest mortgage loan application on the Internet.
The form takes only a few simple steps.
By using our automated underwriting system, you could be approved within 24 hours of our receipt of your application.

No hidden fees.

You'll have your own first time home buyer loan specialist.
(A trained and licensed professional will be assigned to you.)
You will not have to worry about repeating yourself to various people who do not know you.
You'll never have unanswered questions.
Our mortgage home loan agents are dedicated to giving you expert advice and assistance throughout the mortgage process.

Secure - 24-hour 7-days-per-week access to your account specialist.

Get Pre-Approved with our fast online application.

Customized pricing.

Rate Lock, if you choose.

Complete documentation list.

No Money Down Programs Available To First Time Home Buyers

Remember, we can help find mortgages for first time home buyers with bad credit or past bankruptcy. Everyone deserves the American Dream of home ownership. We help you obtain it without a hassle! When you want a first time mortgage with the option of no money down with past bad credit or mortgage after bankruptcy Mortgage Galaxy is the right place to get started!

Apply and let one of our loan professionals help you find a loan you can qualify for!

"We carefully examine all your needs and provide you all your options so you receive the best mortgage rates for you.We don't work for the finance company.
WE WORK FOR YOU!"
-- Holly Ruan, founder of Mortgage Galaxy

Founded in 1990, Holly Ruan and Mortgage-Galaxy.com, is the leader in online mortgage finance and application, an easy way for individuals and families to search the internet and discover affordable and quality mortgage rates from San Diego to Sacramento. Use Mortgage-Galaxy.com through our online mortgage application process and join the 1,000’s of satisfied customers in your area today! See why Mortgage Galaxy was voted #1 at finding mortgage financing and refinancing mortgage lenders with the lowest possible mortgage rates in California.

Mortgage-Galaxy.com is an affiliated online mortgage financing service for Californians with a shared database for finding and applying for individual and family: Zero Down, Low Down, Stated Income, First Time Home Buyer, FHA, VA, or other home mortgage programs. Holly Ruan is a dedicated California real estate broker and loan agent for individuals and families seeking affordable mortgage rates combined with quality customer service.