Skip to Content
Subprime Loans

Subprime Loans in Orange County

Orange County Foreclosure Attorney

There are many situations where individuals have bad credit scores due to various circumstances in the past. If you are seeking to purchase a home, and you have bad credit, then your lender may grant you what is called a subprime loan. You may also be given the same type of loan if you are unable to make a large down payment.

These loans have high interest rates and less-than-favorable terms in order to compensate for the financial risk to the lender. Sadly, this condition makes it more difficult for borrowers to keep up with the payments.

If you are one of the many home owners in Orange County who feels trapped in a mortgage you can't afford, and face the risk of losing your home to foreclosure, you should speak with an Orange County foreclosure attorney who can educate you about your options.

Facing foreclosure due to a subprime loan?

Home buyers who have the best credit scores and qualifications are offered interest rates as close as possible to the prime rate, based on the lender's estimate that the loan will be a good financial risk. If you bought your house as a first time home buyer, if you had poor credit or no credit, or if you didn't have enough money for a large down payment, you were probably given a subprime loan, with a higher interest rate.

Families who were forced to accept subprime interest rates in order to buy a home are often dismayed to see a notice of impending foreclosure when they have missed their monthly payments. Some of these borrowers were the victims of predatory lenders who did not disclose all the important information, such as adjustable interest rates that would cause the payment to spiral higher and higher over the years, or the possibility of negotiating the conditions of the loan.

Fighting Foreclosure in Orange County

If your interest rates go up while the value of your home goes down, it can be increasingly difficult to find a way out. An attorney can help you find a solution and represent you in negotiations to secure more favorable loan terms. If the lender violated federal or state laws in the loan process, you may even be able to file a lawsuit.

A Santa Ana foreclosure defense attorney from 1st California Law can work with you to find an answer to your present difficulties. With our focus on foreclosure, we have the knowledge and skill to successfully represent your case, and we will stand by you through the entire process. We know how stressful this experience may be for you, and we want to make it as easy as possible.

It is important to seek representation in your situation as soon as possible. Let us put our years of experience to work for you! We offer free consultations on evenings and weekends, and will even come to you. Call  1st California Law, Inc. to get started!

Read Real Reviews

    "Amazing law firm to work with, very knowledgeable, & very kind!"
    Amazing law firm to work with, very knowledgeable, & very kind. They made filing for bankruptcy easy. Kevin is a amazing lawyer, would definitely recommend to friends and family.
    - Evelyn V.
    "Kevin made us feel at ease during a very stressful time in our lives."
    Kevin is the best! He made us feel at ease during a very stressful time in our lives. His upbeat personality and thorough explanations made this whole process effortless. His communication was on point and the cost for his services was absolutely reasonable. If I ever need legal service again in the future, he is my go to guy. Love him!
    - Elizabeth C.
    "Being the light at the end of this scary tunnel!"
    Nobody ever hope to find themselves filing for bankruptcy but when I did, my first call with Kevin put me in such ease that I knew I found the right person to help me.
    - Leslie I.
    "Made the entire process of filing my case approachable & much less stressful than anticipated!"
    Kevin was absolutely fantastic to work with. He made the entire process of filing my case approachable and much less stressful than I anticipated. He was responsive, professional, and direct throughout the entire process, and personally accompanied me at my hearing. I would highly recommend his services.
    - Ashley T.
    "One of the best bankruptcy attorneys to work with!"
    Kevin Kunde was one of the best bankruptcy attorneys to work with. He was kind, informative, courteous and very knowledgeable. I would recommend 1st California Law and Kevin Kunde services to anyone seeking debt relief assistance. Bankruptcy can be a very scary situation and I through out the entire process I felt well guided and taken care of by 1st California Law. Thank you for everything.
    - Melissa L.
    "Awesome attorney"
    I recently filed for my Chapter 7 through Mr. Kevin’s law firm and I could not be happier with his services. All of my concerns and worries were eliminated when Mr. Kevin thoroughly explains the process of bankruptcy filing and court hearing. The actual court hearing is very simple and to the point, just as Mr.Kevin said. In all, i highly recommend Mr.Kevin as an attorney for anyone who is in need of financial debt relief. He is kind, transparent, and dedicated to his profession. I'm glad i have had a chance to work with Kevin.
    - Bruce
    "Great Service"
    It was the best experience ever with Kevin, I consulted several attorneys regarding my bankruptcy before I went to Kevin, and Kevin was very helpful and also the fees is very good. It was so easy to prepare my filling with him and he kept me updated with everything and tell me everything I need to know even if I didn't ask for it. Kevin show up with me in court and he was very helpful in getting over this stressful situation easily and smoothly, highly recommended him and his office if you look for any financial relief advice or help. Thanks Kevin.
    - AA
    "Best lawyer"
    I'm 100% satisfied with his service I highly recommend to anyone!
    - Vivian

Marks Of Recognition

Why Choose 1st California Law Inc?

  • Thorough Communication with Our Clients
  • Passionate Service, Personal Help, Practical Solutions
  • Available 24 Hours a Day, 7 Days a Week
  • Free Initial Consultations
Get a Free Consultation Today Contact Our Offices

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.