With flexible payments and terms, today’s mortgage lenders offer a wide variety of loan products. Who benefits? Frequently, its borrowers with less-than-perfect credit.Let’s say you want to refinance your mortgage or apply for a new home equity loan, but are concerned about your spotty credit history. The solution could be a so-called bad credit home loan. These mortgage loans are specifically designed to assist borrowers to consolidate debt quickly while keeping their monthly payments affordable. Best of all, you don’t…