CCJ’s are county court judgement mortgages or in other words mortgages for people who have ruined their credit by having CCJ’s against their names. Fortunately the US takes a fairly lenient view to thoe who are debtors – and unlike other countries its still possible to get finance for property if you go to a specialsit CCJ lender.

Don’t be surprisedif you don’t get the best mortgage rate in town though – after all you have proven yoruself to be a bad credit risk and you are going to pay for that by having an higher than normal interest rate.

The idea with a CCJ mortgage is to refinance it as soon as your credit is restored so that you can get a better interest rate. Well that is assuming that you get the CCJ discharged against your name!