Expanded Credit Loans

Do you have a borrower that has current or past credit challenges? There are multiple products available that can help, depending on the circumstances, financing needs, and other compensating factors.

Get pre-approved in minutes

As seen in:

Top military lender

NMP

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Scotsman guide

5-Star Lender

MPA

TOP LENDER

CALHFA

TOP EMPLOYER

DIVERSITY JOBS

TOP 100 MORTGAGE COMPANIES

MORTGAGE EXECUTIVE

5-STAR LENDER

Mortgage Professional America

TOP 250 LATINO MORTGAGE ORIGINATORS

NAHREP

MOST LOVED MORTGAGE EMPLOYERS

NMP

TOP MORTGAGE LENDER

Scotsman Guide

TOP MILITARY LENDER

NMP

TOP 15 VA LENDER

Scotsman Guide

Product highlights

Designed for borrowers with recent or past credit events
One-day seasoning for bankruptcy, foreclosure, or short sale (program dependent)
Loan amounts from $100,000 to $4,000,000
Multiple loan terms available including40-year and interest-only terms
Owner-occupied, second homes, and investment properties eligible
Single-family, townhome, condo, and 2–4 unit properties allowed
First-time homebuyers permitted
ITIN eligible

Borrower advantages

Multiple solutions available for borrowers who have had difficulty obtaining financing for primary, secondary or investment properties
Qualify for financing in as little as one day after bankruptcy discharge, settled foreclosure, short sale, etc.
Multiple fixed and Adjustable loan programs including interest-only options

Realtor advantages

Expand your purchase pipeline with buyers who could not previously qualify due to a recent credit event or financial hardship
Create buzz and positive reviews by offering a program that assists those who need non-traditional financing to get them into their dream homes faster
We offer programs that don’t require a valid Visa