In case if you have a bad credit history and if you are planning to avail a home mortgage loan and you need to know about poor credit mortgage loans and if you score a higher rating in the FICO which is the financing company that people rely on when it comes to lending of loans and these people are aware of the people with a bad credit history. To avail an adjustable rate mortgage loan you need to produce a good credit history rating if you have ever had a bad credit history in the past so that the credit bureaus and if you have more loans or a higher balance to repay then you can see a dramatic effect on the bad credit mortgage refinance level and in any case if your application is been rejected because of bad credit history you need to probe the reasons for the denial of the loan and need to repair the same too. But still there are lenders who are ready to give out a loan to you though your loan application is been denied by any other financial agency or by any of the credit bureaus. There are many adjustable rate mortgages available and all you need to do is just analyze which lenders would be ready to lend out a loan to you without much hassle and without much documentation too