You don’t need flawless credit to get a mortgage
Try us!
We may be able to help you buy the property
you had in mind, lower your payment, or get cash out.
Got Credit Issues? No need to fear!
These have been a couple of crazy years, so if you’ve had credit issues, then you’re in good company. There are a lot of people that have had all kinds of credit challenges. But there are all kinds of mortgage products for all kinds of challenges. Try us! We may be able to help you buy the property you had in mind, lower your payment, or get cash out.
7 Reasons for Low Credit Scores
Residential Properties
| Loan Types | Typical Minimum Credit Scores | Minimum time since Bankruptcy | Minimum time since Foreclosure |
|---|---|---|---|
| Conventional | 620 | 4 years | 7 years |
| Jumbo | 680 | 7 years | 7 years |
| FHA | 500 | 2 years | 3 years |
| Non-Prime | 575 | 1 year | 1 year |
| Reverse | No minimum score | No minimum | No minimum |
| 2nd Mortgages | 640 | 4 years | 7 years |
Investment Properties
| Loan Types | Typical Minimum Credit Scores | Minimum time since Bankruptcy | Minimum time since Foreclosure |
|---|---|---|---|
| Long Term Rental | 640 | 2 years | 2 years |
| Hard Money or Private Lending | 500+ | 1 day out of Bankruptcy or better | 1 day before a Trustee’s Sale |
| Fix and Flip | 640 | 1 year out of Bankruptcy or better | 2 years since Bankruptcy or better |
| Construction – Ground Up | 680 | 2 years | 2 years |
Your financial journey starts today
Let us help you get there.
Contact Us
(657) 600 – 6909