Home Loans and Bad Credit is a free service online that connects you to lenders and banks that offer you with the right loan for your situation. Our team at HLABC has the experience you need to feel comfortable buying or refinancing online. We understand how overwhelming the process of getting approved for a mortgage with poor credit scores. This website was developed in an effort to help applicants that have had difficulty qualifying for financing because of a past bankruptcy, foreclosure, collections late payment and more. We will help you locate bankers, brokers and lenders that want to extend second chance financing, because that’s what they specialize in.