Many homebuyers don’t even realize they have options when it’s time to finance a home. They have no idea where to shop for a mortgage, or that this was even a thing people can do. Thanks to Loanry and the convenience of the modern internet, you can shop mortgage lenders, read up on mortgage tips, or use online tools to compare different interest rates, down payments, and mortgage lengths before you even apply for a loan or other form of financing. Unlike traditional lending institutions, Loanry is “open” around the clock, on holidays and in any weather.

Maybe you’re worried you won’t be able to qualify for a VA mortgage or any other kind of home loan due to bad credit or a rocky credit history. While your credit score certainly matters, there are online lenders who specialize in loans to help build or rebuild your credit – and who even offer bad credit mortgage loans in some circumstances. If you can document a reliable income and meet a few other basic requirements, who knows what’s possible? The only way to find out is to apply.

Loanry doesn’t issue loans. Our name comes from our amazing database of reputable and creative online lenders who meet our exacting qualifications. You don’t have to comb the web all alone, hoping you can trust this lender over that one or trying to compare terms from websites which may or may not have been updated since the turn of the millennium. Instead, let us do some scouring and compare your needs with each lender’s strengths. We’ll connect you to the lender we think most likely to make a good match, and then it’s up to them to win you over. If you’re not happy, you walk away – no commitment and no cost.

You don’t have to take off work or put on your Sunday best. We don’t have a popcorn machine or comfy lobby, but we do have access to some of the most innovative and competitive lenders in the free world, all of whom want to earn your long-term trust and business. For that, you can probably buy your own popcorn.

Buying a home is a huge commitment, no matter what method you use. Even refinancing to leverage your house equity for renovation or expansion can be a bit daunting. Each method comes with its own pros and cons, but few things are as rewarding as owning your own home – especially on the day you make that final payment and it’s truly 100% yours.

You want to make the best decisions you can when you’re choosing a new (or new-to-you) home. Some we can dismiss immediately, while many others have features we find appealing. None are entirely as perfect as we might have imagined. Somewhere along the way, however, is one that makes more sense than the rest. The trick is knowing when we’ve found it, despite our enthusiasm for X, our concerns about Y, or the challenges of Z.

Choosing the right financing is the same way. Some options can be ruled out immediately, while others require more careful consideration. It’s important not to get “bogged down” in the process. Do your research and weigh your decision, but once you’ve done all you can do, don’t be afraid to move forward. Trust your gut and recognize that whatever you choose, what’s most important is what you do with it.

Your options when buying a home are largely shaped by your credit past. Even with a VA Loan, your official credit score and detailed credit history impact what interest rates or other terms are available to you. Once you’ve secured a loan, however, whether it’s VA-backed or something more conventional, every payment you make (or don’t) shapes your credit future. It takes time to raise your credit score and build a positive credit history, but it doesn’t always take as long as you think. And it starts today, with the decisions you’re making right now.

A stronger credit history and better credit score means more options and lower rates in the future. That mean more disposable income and more opportunity. In short, money may not buy happiness, but credit worthiness matters more than we tend to realize when it comes to acquiring and doing the things that make us happy, with and for the people who matter most to us. It’s doable, for you, whatever your current situation. And we can help.