The programs below are a selection of some of our most popular products. Your credit, property type, and desired loan amount will determine which products you qualify for. Apply now and let us guide you to the best product for your needs! If you have any questions, or would like to discuss your situation with us, just give a call or send over an e-mail. We're easy to talk to!

95% Nothing Verified!

Our favorite loan. The final word in No-Income/ No-Asset Verification. 680 credit score required. A complete application is required, but nothing is verified. Rates are comparable to a fully documented loan. No IRS forms. Owner occupied properties only. Only 5% down payment needed. Loan amounts to $500,000!

Low Down Payment No-Income Verification. Lots of Options!

Hot Stuff. Income not verified. Assets not verified. 100% financing to $300,000 with a 720 credit score. 95% financing to $400,000 with a only a 620 credit score. Single family homes, condos, townhouses, all okay!

Up To 100% Financing For Borrowers With Bad Credit.

We don't care about charge-offs, repos, judgments, or collections if they are 24 months old. Nothing needs to be paid off. We will allow $5000 of newer collections to remain open. No tax liens or past foreclosures allowed. Bankruptcies must be discharged at least one day. Check It Out

New! New! New! Direct On-Line FNMA "Sub-Prime" Products.

If you are looking for alternate means of financing simply because of credit concerns maybe you don't need to go directly to a "B-C" credit type product. Call us now to discuss FNMA options. If a FNMA option won't work, we'll tell you right away and then we will guide you to the best choice for your situation. Check it Out

Very Recent Bankruptcy and/or Foreclosure

Bankruptcy or Foreclosure discharged yesterday? We'll finance your new home purchase. 10% down payment required. Minimum credit score 600.

Have You Paid Your Mortgage On Time But Everything Else Is Late?

If you've made your mortgage payments on time we will disregard all consumer credit and lend you 80% of the purchase price of your new home. (Now also good for cash-out refinances - cash-out max $75,000) Bankruptcy must be 6 months old. No foreclosures in the last 12 months allowed.

Alternative Income Verification with Bank Statements

If you have bad credit (maybe even current past dues and collections), only have a 10% down-payment available, and can't show W2s, pay-stubs, or tax returns, maybe you can verify income with bank statements? We will calculate your income as the average of your deposits over the last 12 months.

"The Ghost Program"

No Credit? Zip, Zero, Nothing? No rent history? No Problem. We will lend 80% of your purchase price. This is a full documentation loan. Down payment may be from a gift.

Etc., Etc., Etc.

We carry a vast number of additional mortgage programs for special situations. To find out what your options are please complete our On-Line Application or just give us a call. We look forward to hearing from you.