MORTGAGE LOANS FOR THE CREDIT CHALLENGED

RECENT BANKRUPTCY, FORECLOSURE OR SHORT SALE?
WE HAVE LOANS FOR YOU AS SOON AS 1 DAY OUT OF EACH OF THESE

 Apply Now    Contact Us  FREE Exclusive Mortgage Rate Newsletter

Non Prime Lending
by Credit Grades

Full Doc or 24 Mo. Bank Statements

"A"
  • FICO Score 700+
  • No Mortgage Lates in last 12 Mo.
  • Bankruptcy > 3 Years
  • Foreclosures > 3 Years
  • Short Sale > 2 Years
  • Max Loan to Value Purchase: 80%
  • Max Loan to Value Refinance: 75%
  • Max Loan to Value Cash Out Refi: 75%
  • 30 Year Fixed Rates
  • No Prepayment Penalty

 

Full Doc or 24 Mo. Bank Statements

"A-"
  • FICO Score 650+
  • 1 x 30 Day Mortgage Late in last 12 Mo.
  • Bankruptcy > 3 Years
  • Foreclosures > 3 Years
  • Short Sale > 1 Year
  • Max Loan to Value Purchase: 80%
  • Max Loan to Value Refinance: 75%
  • Max Loan to Cash Out Refi: 75%
  • 30 Year Fixed Rates
  • No Prepayment Penalty

 

Full Doc or 24 Mo. Bank Statements

"B"
  • FICO Score 600+
  • No 60 Day Mortgage Lates in last 12 Mo.
  • Bankruptcy > 2 Years
  • Foreclosures > 2 Years
  • Short Sale > 1 DAY
  • Max Loan to Value Purchase: 80%
  • Max Loan to Value Refinance: 75%
  • Max Loan to Value Cash Out Refi: 75%
  • 30 Year Fixed Rates
  • No Prepayment Penalty

 

Full Doc

"B-"
  • FICO Score 550+
  • No 90 Day Mortgage Lates in last 12 Mo.
  • Bankruptcy > 1 Year
  • Foreclosures > 1 Year
  • Short Sale > 1 DAY
  • Max Loan to Value Purchase: 75%
  • Max Loan to Value Refinance: 70%
  • Max Loan to Value Cash Out Refi: 70%
  • 30 Year Fixed Rates
  • No Prepayment Penalty

 

Full Doc

"C"
  • FICO Score 500+
  • No 120 Day Mortgage Lates in last 12 Mo.
  • Bankruptcy > 1 DAY
  • Foreclosure > 1 DAY
  • Short Sale > 1 DAY
  • Max Loan to Value Purchase: 65%
  • Max Loan to Value Refinance: 65%
  • Not Eliglble for Cash Out Refinance
  • 30 Year Fixed Rates
  • No Prepayment Penalty

 

Let us Show You How Easy it is.

Answer a few SIMPLE Questions and experience why we are always the 1st Choice in Idaho!

Choose Your Loan TypeHow Much Would You Like to Borrow?Current Home Value OR Purchase PriceWhy are you Purchasing a New Home?
What is Your Credit Score?Estimated Down PaymentHow Did You Hear About Us?Are you a Veteran?
Back
*Full Name*City*Zip Code*Email*Phone NumberMessage Back
This form was submitted on the following page

1st Choice is only Licensed in Idaho.