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Nontraditional Credit Loan

Nontraditional Credit Loan Program | 620 Credit Score Required

This loan is for borrowers that don’t have or don’t have enough traditional credit; credit that is reported to the 3 credit bureaus. The underwriter will require 3 credit accounts with a 12-month minimum history. These 3 pieces of “credit history” can be any combination of both traditional and Non-traditional credit and can come from either the borrower or co-borrower for a total of six, minimum.

Underwriting Guideline Highlights:

Purpose: Purchase & Cash Out Refinance

Required Credit Criteria:

* Traditional Tradelines Can Come from Either the Borrower or Co-Borrower or Both.

* Authorized User Tradelines Do Not Qualify.

Eligible Property Types:


* Condo – Less Than 4 Stories

* 3-4 Unit Properties Require All Traditional Tradelines/credit Accounts on the Credit Report


* Owner-Occupied Only


* 1-, 3- and 5-year ARM

* 15 and 30 year-fixed

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Reference# – 245091114

Alternative Income Documentation

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Non-Qualified Lending

Non-Qualified Lenders

Non-Qualified Mortgage Lending

Purchase Loans

Purchase Loans | Alt Doc

Refinance Loans

Refinance Loans | Alt Doc

Second Mortgages Loans

Second Mortgages - Niche

Construction Loans