Saxon Mortgage is another lender that works with clients with less-than-perfect credit.

Their website states: "At Saxon, we specialize in the business of making loans available to borrowers who need help repairing their credit. Through a nationwide network of mortgage brokers and correspondents, we are able to efficiently serve this previously under-served market. Saxon's roots date back to 1989 and since then we have consistently increased our market share in the sub-prime and non-conforming mortgage arena."

As a lender that specializes in credit repair, their interest rates may not be the lowest. However, if you have had credit problems in the past, this may be a lender you would want to consider. Be sure to shop around, as always. Compare the interest rate and options that you are quoted by Saxon with other lenders. That way, you'll get the best deal for your situation.