How to find a mortgage when credit is tight?

The problems in the sub-prime mortgage business means that everyone has to suffer, even people with high credit score, stable income, and a solid savings account. It can be difficult for some people on the margin to find a mortgage or refinance their existing mortgage, but if you follow the tips in this video, you can still come out on top. The important thing is to keep your credit history clean, be very careful about paying bills on time as you get to the point to refinance, and then do your research. Start online and then pick up the phone to make the calls. The more information you are armed with, the better you will be able to negotiate.