The service at http://www.mortgagerates.com.bz works by matching the borrowers location and desired loan parameters with lenders and mortgage brokers that want to quote them. The customer at no charge to them, then has the option to choose which mortgage finance professional is best for them and their situation. Bad Credit although more challenging, doesn't mean you don't qualify. With the vast amounts of FHA and VA mortgage loan programs, most Americans do qualify for a home loan. Even if you don't qualify, often finance professionals can provide you some advice to get you to where you need to be, so you can qualify for a home mortgage in the future.
http://www.mortgagerates.com.bz notes that they offer this service as a free service to the borrower, with no obligations whatsoever. The borrower has nothing to lose, but plenty to gain (lower mortgage payments and mortgage rates).
