alternative loans

Bad events happen many times to great people. Most often, these events are unavoidable. Maybe you’ve had a recent or past foreclosure, bankruptcy or even a short-sale. If these financial struggles have happened to you because of a job loss, reckless spending, death in the family or you just forgot to pay a few bills–whatever the reason we get it. And we believe in second chances.

Or maybe you're an investor who needs a loan program that focuses on the performance of the property - not your income.  We have DSCR (Debt Service Coverage Ratio) Loans for you as well.   Whatever YOUR need, we've got your covered.  

HOW WE CAN HELP YOU WITH

  • Bank Statement Loans for those who are self-employed and can’t show true income. Loan amounts up to $2million

alternative loans

  • 1 Day out of foreclosures, Short sales, deed-in-lieu and bankruptcy
  • CrEdit scores down to 550
  • 100% Gift Funds from family member allowed
  • Non-warrantable condos are OK with us
  • Up to 50% Debt to Income Ratios
  • Mortgage lates in last 12 months ok with us
  • Foreign National Loans Programs available up to 75% Loan to Value
  • Asset depletion available to use for income
  • Multiple properties financed and can close in LLC
  • DSCR Loans  (Debt Service Coverage Ratio) Loans for Investors

GET YOUR MONTHLY ESTIMATE TODAY

STAY INFORMED AND SAVE MONEY

Use our FREE mortgage calculator to grab a quick estimate of your monthly payments. It's fast, easy, and gives you peace of mind knowing what you're up against.

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- cody g.

"Scott was awesome from start to finish. Always available to answer any questions we had. He was able to get everything we asked for and a little more."

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- Ryan o.

"Not only do I recommend using him as a realtor, but also as your lender. I can't start to express how simple this makes the home buying process and this is my third home purchase."

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- Penny g.

"Working with Scott and his team was fabulous! A totally streamlined experience. They made the process so easy it was very impressive."