Creditworthy borrowers who have recovered from a past housing event (like foreclosure or bankruptcy) and are now looking for flexible mortgage options—especially self-employed individuals and real estate investors.
Minimum requirements :
- Credit scores down to 660
- LTVs up to 90%, No MI
- Loan Amounts up to $3.5 million
- DTIs up to 50%
- Standard Full Doc, 1-year P&L, and Self-Employed Bank Statement Options (12 months)
- Second homes and investment properties
- Cash-out solutions to unlock equity or consolidate debt
- 30-year interest-only and 40-year interest-only options
