If you applied for a mortgage with bad or no credit in San Francisco, your interest rate may be higher than the national average. By paying down debt, making payments on time and practicing responsible borrowing behavior, you can raise your credit score and qualify for a better mortgage interest rate. E Mortgage Capital offers programs for consumers whose credit has been impaired in the past. If you have a history of bankruptcy, late payments or other credit problems, we may still be able to help lower your interest rate and monthly mortgage payments.