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I've only been late a couple of times on my credit card bills. Does this mean I will have to pay an extremely high interest rate?

Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.


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*All rates are subject to approval with 80% loan to value, 740 fico and Fannie Mae, Freddie Mac and FHA loan limits apply.

Omni Fund, Inc. - 26395 Jefferson Avenue Suite E - Murrieta, CA 92562
Office Phone: (800) 446-9043