Guillermo "Memo" Zazueta
Local Loan Officer
DRE# 02070980 NMLS#1771204
704 E Perkings St. Suite E
Ukiah, CA 95482

I've had credit problems in the past. Does this impact my chances of getting a home loan?

Even with poor credit getting a home loan is still possible. A lender will consider you to be a risky borrower and to compensate for this they will charge you a higher interest rate, and expect a higher down payment usually 20%-50%. The worse your credit history is, the more you can expect to pay.