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In the present climate people are using adjustable rate mortgages especially people who have bad debts and are searching for somewhat short-term relief. After they pay off the debts the idea is to switch to a fixed rate to secure historically low rates. Quite frankly with the tumultous financial health of America and the international community I usually do not recommned any adjustable rate mortgages presently. The chance of sky rocketing interest rates are too great in these unstable times. Bank of America Bank of America usually offers a amount of subprime a bad credit score mortgages. Aside from providing home mortgages they've had a spotty record of helping clients facing poverty and have earned a reputation as a tough lender. Bank of America could be the third largest bank in America with the time on this writing. Wells Fargo Another mortgage lender is Wells Fargo. They have existed since takes place coach days plus they have over 1000 branches in America. 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