Non-Prime Mortgage Solutions

Since the recent Dodd Frank mortgage regulations have been enacted, many potential borrowers are no longer eligible for traditional conventional or government insured loan programs.

New, private lenders have emerged and are now offering programs for borrowers who have suffered from economic events such as bankruptcy, foreclosures or short sales as well as borrowers with low credit scores and late mortgage payments.

As we have several lenders with varying guidelines up to 90% LTV and low, affordable rates, we normally will need a completed application and credit report before being able to quote a rate and pre-approval with these programs.

In general, the higher the credit score and the longer the seasoning period since the economic event will translate into a lower rate. Some programs require no seasoning The minimum loan amount is $100,000.

If you are self-employed and tax returns show little income, bank statement and asset depletion programs are available.

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