If a person chooses to take out funds with a mortgage company, they should be sure to check the rates from several different companies. The rates for bad credit home loans can vary greatly due to seasonal trends, mortgage sales, and reputations of lenders. Researching companies will guarantee that people choose a reputable lender with high satisfaction rating from previous borrowers, and secure a fair interest rate. How a company treats all of their customers will be very important when taking out needed assets.