A1 Debt Consolidation Loan Company provides VA and FHA home loans for veterans and qualified borrowers who can document a strong employment history. The High Volume Leader in VA and FHA Streamline Refinancing , Conventional Refinances, Home Equity Loans, Debt Consolidation Loans, Home Improvement Loans, Second Mortgages and Seconds.

We make the consolidation of accumulated debt smooth. Lump all your credit cards, auto loans and personal debt into one low monthly payment so you can start saving money now. Even refinance into a new low payment or get money for home improvements.

With past credit problems a FHA refinance loan may be your best bet for a low rate mortgage.

Refinancing with government loans can open the door for borrowers with poor credit scores. VA Home Finance FHA Refinancing Good Alternative to Conventional Refinances Home Equity Loans OK with FHA & VA Mortgages Debt Consolidation Loans Home Improvement Loans

		PRODUCT HIGHLIGHT-VA/FHA STREAMLINE
		Interest rates are now at a two year low! If you currently have VA or FHA loan and have a decent payment history on your mortgage, you can refinance to a lower interest rate without qualifying.

VA Loan Summary:

• No Appraisal Required
• No Credit Qualifying.
• No Income or Employment Verification Options
• Skip up to two months payments when you streamline refinance
  (*prepaid finance)
• Up to $2,500 Cash Back (*from current escrow/impound account at escrow close)
• Reduce your mortgage payments up to $350 per month.
• No Out of Pocket Costs.

Bad Credit Lending Rose at FHA's Expense

Subprime mortgage lending rose at the expense of the Federal Housing Administration's market share as minorities and lower-income homebuyers opted for teaser rates and other subprime features that are ultimately "more costly" than FHA loans, according to a Government Accountability Office report.

The FHA's market share of the home mortgage market dropped from 31.6% in 1996 to 6.9% in 2005, while the conventional subprime market jumped from a 2.0% share to a 26.0% share. Now that sub-prime loan defaults and foreclosures are rising, the FHA home loans, could provide those borrowers with "lower-price and more sustainable mortgages," GAO says in the report to Congress. The GAO can be found online at http://www.gao.gov.