We offer all types of financing with no lender overlays.  Often a borrower is turned down not because they do not qualify but becuase the bank or lender has an "overlay" preventing the approval.  We work with lenders that have no lender overlays!!

Fannie and Freddie have a minumun credit score of 620.

FHA and VA mortgage loans do not have a minimum credit score requirement.

We also offer Subprime and Non-Prime mortgage loans for the home buyer who does not meet the guidelines of FHA, VA, USDA or Convectional.  The Subprime and Non-Prime mortgage loans that are offered today are very different than the subprime mortgage loans that were part of the housing crisis.  These programs can be used to Purchase or Refinance.  Here are just a few of the programs we offer:

Bad Credit Mortgage Loans for Home buyers:

  • 1 Day out of BK, Foreclosure, or Short Sale
  • Mortgage rates are less than using a private lender or hard equity lender
  • We can go as high as $1 million for this loan program
  • We accept credit scores as low as 500
  • We accept mortgage loans with as little as 15% down payment for this program
  • All of your down payment can be a gift
  • Non-Warrantable Condo's will be considered
  • No Active Trade lines as long as you can with verified housing history.

Portfolio Mortgage loans:

  • Mortgage rates on this program currently start in the low 5's
  • 24 months out of BK, Foreclosure, or Short Sale
  • We can go as high as $2 million for this loan program
  • We accept credit scores as low as 640 for this program
  • We accept mortgage loans with as little as 10% down payment for this program

Bank Statement Mortgage loans:

  • ZERO tax returns
  • Use 24 months of personal bank statements for qualify
  • We can go as high as $2 million for this loan program
  • We accept credit scores as low as 660
  • 20% down payment will be required
  • 36 months out of BK, Foreclosure, or Short Sale

Investor Mortgage Loans without personal income:

  • Qualify on the Investment property cash flow
  • 24 months out of BK, Foreclosure, or Short Sale
  • We accept credit scores as low as 660 for this program
  • Great Rates for Investment properties
  • 30% down payment required
  • Must have mortgage history for this program
  • No Debt to Income restrictions

Foreign National Mortgage Loans:

  • Only 25% down for this program
  • No need for US credit
  • No Social Security Needed or Tax Identification Number

This is just a small sample of subprime, non-prime, and alternative documentation loans that we offer with great mortgage rates.  Give us a call at 813-.629-5478 for a no obligation free quote.