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Mortgages by Credit Score

All of the following loan programs allow for a 560 Credit Score.

Loan Scenario Form – No Credit Check or call 800-718-8906 for additional information.

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Plaza Home Mortgage

Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. * Qualify using a 50%-90% expense factor no additional expense information is required. * For borrowers with a business that operates

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Change Wholesale

Change Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Community Mortgage Alt Doc Investor Closed End 2nd Mortgage Program Mortgage Pre-Qualification Form – No Credit Check

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ACC Mortgage

Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.

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Acra Lending

Acra Offers the Following Programs Check back often as we are always updating our lender and loan program information. 12-Month Bank Statement Foreign National Investor Cash Flow / DSCR (investor) ITIN (investor) Non-QM Niche (Non-QM/investor) Jumbo Non-QM (Non-QM Portfolio) ATR-In-Full (investor) Business Purpose Condotel Interest

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Advancial Mortgage

With competitive loan programs, fast pre-approvals, and expert guidance, Advancial Wholesale simplifies the lending process for brokers and their clients. Our diverse offerings include high loan amounts, flexible credit requirements, and specialized financing for expatriates, foreign nationals, and self-employed borrowers. Partner with us for innovative

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Hard Money Loan Asset Based Program

Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending solution. This program does not require income documentation, making it ideal for those who may not qualify through traditional methods.

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Non-Prime Super Jumbo – $5,000,000

Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay, eliminating the need for traditional income verification. Ideal for high-net-worth individuals seeking flexible financing.

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Second Mortgage Alt Doc $350,000

Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no need to refinance. Jumbo Second Mortgage loans up to $500,000 with alt-doc income options. Keep your first mortgage while accessing home equity.

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Super Jumbo Programs

Non-QM Mortgage Broker Loan Purpose: Purchase; Rate/Term and Cash Out Refinance; Construction; Commercial; Acquisition For the Super Jumbo Loan Program facilitated by our Non-QM Mortgage Broker, various loan purposes are accommodated, including Purchase, Rate/Term and Cash Out Refinance, Construction, Commercial, and Acquisition, with loan amounts

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Manual Underwriting Loan Programs

Manual Underwriting Loan Programs Flexible Mortgage Solutions with Manual Underwriting Manual underwriting is designed for borrowers who may not meet traditional automated underwriting requirements. Instead of relying solely on credit scores and computer-driven approvals, a manual underwrite allows lenders to carefully review your full financial

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Bridge and Hard Money Loans

A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional information coming soon Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Illinois, Maine, Maryland,

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Loans Categorized by FICO & LTVs:

Loans Categorized by FICO & LTVs:

Bank Statement Loans by FICO & LTVs:

Bank Statement Loans by FICO & LTVs:

Bank Statement Loans by FICO & Month Terms:

Alt Doc & Bank Statement Loans by States:

Alt Doc & Bank Statement Loans by States:

Bank Statement Loans by Credit Score

Jumbo Bank Statements by Credit Score

Bank Statement Loans by Credit Score

Bank Statement Loans by:

Loans Programs Categorized by Niche:

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Non-Qualified Mortgage Lending

Alternative Income Documentation

Bank Statement Loans by:

Borrower Eligibility Loan Programs

Niche Loan Programs

Bank Statement Second Mortgages

Bank Statement Second Mortgage Lender​

Stated Income Mortgages

Acra Lending

Blue Point Mortgage