Question: Do I have to select a program before I make application?
Answer: No. The programs below are samples of our most popular programs. We have thousands of variations designed to accommodate the widest variety of credit and documentation situations possible. All you need to do is make application.
Leave it to us to sort through the programs and select the best options for you.
100% Financing Options
We offer a wide variety of 100% financing options. Credit scores may be as low as 575. If you have great credit we offer the lowest cost 100% mortgage products anywhere.
No Income Verification
If you have credit issues and would rather not document your income we have solutions. First time home buyers are welcome. Self employed as well as wage earners (W2 employees) can qualify.
Bank Statement Program
We can accept 12 months bank statements to verify income instead of W2s or tax returns. We will add the total deposits and divide by 12 to calculate your monthly income.
Ignore the Lower Credit Score
Applying with a co-borrower (or spouse) with credit problems? We can use their income but ignore their credit. A great way to qualify without impacting your program choices. Not available for first time home buyers.
Bankruptcy
Have you had a bankruptcy recently discharged? We offer 100% financing if your bankruptcy was discharged over one year ago. We offer up to 85% financing if your bankruptcy was discharged less than one year ago.
Self-Employed Reference Letters
Sole proprietors often have trouble providing documentation of their self-employment status. If you cannot provide a business license or a CPA letter we will accept three reference letters from customers .
Fannie-Mae "Sub Prime"
Credit issues? Fannie Mae has introduced their own "sub prime" financing options. These programs are a great alternative to many other programs for people with bad credit. We will review your case to determine if you qualify.
Hard Equity
We can lend up to 70% of the value of the property regardless of credit, employment, income, or assets. There are no credit requirements at all. This loan is property based only. Everyone qualifies. Florida Only!
No Credit, but Rent is Paid on Time
Have you paid your rent on time for the last 24 months? We can offer 100% financing even if you don't have a single open account on your credit report. Scores as low as 600 are okay.
90% Investment Property
We can offer 90% financing for the purchase of an investment (rental) property. Self-employed or W2 wage earner is okay. We don't even need to verify income. 620 credit score required.
No Doc Mortgages
We won't ask any questions at all about your job, income, or assets. Period. It's all about your credit and property. Visit our no doc mortgage web site to learn more about our most popular product.
Credit Repair
The higher your credit score the more options you have. If you are having trouble qualifying because of your credit you should consider credit repair. It can make a big difference.
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