A Second Chance To Homeownership*

If you had a negative credit event such as bankruptcy, foreclosure or short sale. 
We can give you a second chance at homeownership even if you don’t meet the requirements for other loans. 


• The waiting period on past bankruptcy, foreclosure, or short sale is significantly reduced compared to other programs - only 12 months!
• Loan amounts up to $1.5 million 
• Available to credit scores starting at 620
• Accepts a debt-to-income ratio up to 50%**

 Guideline Basics

• Owner occupied, fixed rate mortgages only
• Prior mortgage-related delinquencies may be considered on a case-by-case basis
• Only 12 months must have passed since:

            • Active bankruptcy  
            • Active foreclosure/NOD filed
            • Foreclosed property redeemed 
            • Any mortgage, rental, or property tax delinquency 
            • Deed-in-lieu or pre-foreclosure sale

            • Short sale or short payoff with any prior delinquency 
            • Mortgage modification

**To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income.

*Disclaimer: All loans are subject to credit and property approval.  Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.

NMLS# 150934