Dedicated to serving underserved borrowers, we recognize that every individual has a unique story deserving personalized solutions. We excel in overcoming challenges, offering tailored options for borrowers with credit issues or credit profile issues, alternative income documentation needs, or non-conforming loan sizes. Send us your loan scenarios. We have a dedication loan scenario desk staff available to calculate alt doc income, ratios, etc. Approval in 24 hours. We are a make sense lender ready to make exceptions to earn your business. Questions? Speak to a Live Loan Officer (800) 718-8906.
Designed for borrowers who narrowly miss Agency or Jumbo loan criteria, this program requires a minimum 660 FICO score. Non-conforming loans outside government or conventional guidelines. Self-employed and alternative documentation borrowers (e.g., 1099, P&L, 12/24-month bank statements, asset depletion, W2, or full-doc). Borrowers with good credit or ITIN holders (non-U.S. citizens living and paying taxes in the U.S.) Eligible Property Types: SFR, PUD, Townhomes, Condominiums, 2-Unit, Modular, and Mixed-Use properties.
Designed for borrowers rebuilding credit with scores of 620 or higher, this program offers flexible options tailored to unique financial needs. Credit repair borrowers needing cash-out up to 70% (see matrix for details). Self-employed or alternative documentation borrowers (e.g., 1099, P&L, bank statements, asset depletion, W2, or full-doc). ITIN borrowers (non-U.S. citizens living and paying taxes in the U.S.)
Eligible Property Types: SFR, PUD, Townhomes, Condominiums, 2-4 Unit, Modular, Hobby Farms, and Mixed-Use properties.
Tailored for borrowers with a FICO as low as 550 and recent housing events, this program offers flexible solutions for those facing credit challenges with a stable housing history. Credit grades ranging from 24-month housing event seasoning to no seasoning required. Documentation options: Full Doc (2 years W-2/1099 or Tax Returns), Bank Statements, or Asset Conversion. ITIN borrowers (non-U.S. citizens living and paying taxes in the U.S.). Eligible Property Types:
Single-family residences, PUDs, condos (low/high-rise), site condos, townhouses, 2-4 unit properties, modular homes, hobby farms, and mixed-use properties.
The DSCR investor loan is a flexible, no-income-verification mortgage solution for investors seeking to grow or leverage their real estate portfolio. With options for cash-out refinancing, ITIN borrowers, and no DSCR qualification requirements, this program is ideal for first-time and seasoned investors alike.
