Speak to a Live Loan Officer: (800) 718-8906
Non-Prime Mortgage Lending offers a diverse spectrum of mortgage options — our non-prime mortgage products cater to borrowers with varying credit profiles and financial circumstances. With our Full Doc option, applicants with a minimum FICO score of 560 can access financing, while those opting for.
Non-prime alternative income and employment documentation starts with a 600 credit score, or 580 with compensating factors. Find out what you qualify for without a credit check using our comprehensive short application. We understand the complexities of income documentation, which is why we accept 1099 income only and offer flexibility with Written Verification of Employment (WVOE) and P&L statements — even if unaudited and provided by tax (not sourced) preparers.
Our commitment to flexibility extends beyond income verification. With our Asset-Based approach, we evaluate borrowers’ ability to repay without being limited to a “Debt-to-Income” (DTI) ratio. Additionally, we consider Asset Utilization and offer loan amounts up to $5,000,000, with larger amounts reviewed on a case-by-case basis. We specialize in financing properties that may not meet traditional lending criteria, including Condotels, Non-Warrantable Condos, Short-Term Rentals, Adult Care Facilities, Rural properties, and Manufactured or Modular homes classified as real property.
Non-prime mortgage products accommodate borrowers with recent credit events such as Short Sale, Deed in Lieu, Modification, Bankruptcy, or Foreclosure — with acceptable occurrences within specific timeframes. We also provide Interest-Only payment options with both 5/30-year and 10/40-year terms. Focused on meeting diverse borrower needs, our non-prime mortgages offer flexibility, accessibility, and tailored solutions for a wide range of applicants.
Regarding credit, non-prime lender guidelines often allow for derogatory credit as soon as one day after a “major credit event” such as bankruptcy, foreclosure, short sale, deed-in-lieu, or mortgage lates (up to 1×60 days late) in the previous 18 months — and credit scores down to 520 for both conventional and unconventional Non-Qualified mortgage loans.
Get Pre-qualified before you speak to your loan officer or speak directly to a Loan Officer @800-718-8906.
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