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The borrowers with poor or non-existent credit history can rely on the Subprime Mortgage Loans for mortgage refinancing. The borrower on this mortgage loan has higher rate to default. Eventually, these mortgage loans cost more than Prime Mortgage Loans.

The Subprime Mortgage Lenders primarily focus to provide mortgage refinancing for anyone who can not qualify for Prime Mortgage Loans. The financial status of the borrower changes over time. Only time can tell. In a few years, the borrower might have lower income. Additionally, the health of the borrower could decline. Unfortunately, the borrower spends more money on medical expenses.

The Credit Bureaus and Fair Isaac Corporation uses the credit history to calculate the credit score. The credit score is a closely guarded secret. Nobody really knows how to arrive on the credit score unless you work for the credit bureaus and Fair Isaac Corporation (FICO). Anyways, the calculation involves complicated formulas that nobody can easily understand.

The credit score indicates the ability for the borrower to settle the mortgage loans. Naturally, a higher score looks better for mortgage lenders. Any late payments or defaults lower the credit score. The borrower may get the copy of credit history to the credit bureaus once a year. If the borrower found a misinformation on the credit history, the borrower can contest the misinformation to amend the credit history.

To get the best deal on Subprime Mortgage Loans, the borrower must shop around for the best deal, ask for pre-approval, deal with licensed mortgage broker, and keep the deal in writing. Newspaper, internet, radio, TV, or referrals are familiar place to shop for the best deal.

About the Author: Dennis Estrada is a webmaster of mortgage calculators and mortgage dictionary website that gives access to many resources, and calculators for mortgage.